 Insurance on rental car? |
| Is it necessary to take the rental car companies insurance or do our credit cards or personal insurance really cover damages or theft or fire if something happens to a rental car?... |
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 Personal family health insurance with deductible $5000 or less? |
| Trying to find a Health Insurance plan with a deductible of $5000 or less. Found a Blue Cross one for about $7500 but that's to much since I only make $15000 a year.... |
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| Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from P... |
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 How does health insurance work? |
| how does health insurance work. im about to turn 18 and am gonna get it. but im not sure how it works. like whats a deductible? what are the payments? what am i paying? any info you can give me will ... |
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| My partner owns a family sized car and a second small 1-litre car which he wants to add his son to as an additional driver. Can my partner use his NCB for the second car too? With his son being a ... |
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The person is claiming neck and back injuries but continues to secretly do physical work and has told me that some of her injuries were from a previous accident.
Who should I contact?... |
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| i want to know the working principle and features of sand washing machine,can someone help me?... |
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| I called a hospital, and it said it took my insurance. I went to the hospital, and they charged me the entire amount. The reason is that my insurance actually turns out not to cover that hospital. ... |
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 The insurance are giving 4000 for the car....but i want more how do i go about it? |
had accident...not my fault but anyway the insurance are willing to pay 4000 pounds with an excess of 150 POUNDS..
..` WE WUD BE prepared to offer the sum of 4000 in settlement of the claim ... |
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 USAA Life Insurance/Drug testing? |
Does anyone know if USAA performs a drug test on urine for life insurance during a medical exam? If so, what drugs are they testing for?
Additional Details
What happens if you test ... |
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 Do i need insurance? |
| I am going to be cleaning a few (2-3) houses for extra income. I have figured out what I need and that I'm going to charge a flat rate. The only other question I have is : Do I need insurance at ... |
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| I recieved a check from my insurance company to pay for a procedure that was done by an out-of-network doctor. well i paid that. a few weeks later i recieve another check for the same amount my ... |
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 Can an insurance cancel you policey even though they continue to take payment on it? |
| I got into a car accident i call my insurance company to let them know they informed me that they had canceled my insurance a comple of months back but they still continued to take payment on the ... |
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 Will my auto insurance payments be affected cause i got sued and lost the case? |
| Hi! i got in a car accident about a year ago. Come to find out a year later that the lady that hit me is suing me for $7K. I just went to court but the judge said that the case will be put in ... |
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Starsky | If you babtsit other children in your home, do you have to have insurance? |
I am thinking about keeping children in my home for extra money during the week and my husband is insisting that we need insurance just in case anything happens. I told him that we did not need it because it was just babysitting, not a home daycare. I would like the parents to bring their childs own lunch and I would provide snacks at $80 per week. I'm not sure if this is reasonable or not and if I have to have insurance it may not be worth it at all. I just need help in the whole children in my home aspect. So anything would be helpful. |
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mbrcatz
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Well, there's no LAW requiring you to have insurance. But if a parent sues you for, say, abuse or molestation, your homeowners policy doesn't cover it. You'll have to cough up big bucks for your defense lawyer, and could lose your house.
There's no difference between "babysitting" and "home day care". It doesn't matter what you call it - if you're taking money and rendering a service, it's a business. If you don't have business insurance, you're on your own if something happens.
If your homeowners carrier finds out you're running an uninsured business from your home, they are likely to cancel you.
So I vote with your husband. |
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QWERTY
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Your homeowners insurance (I'm guessing that's what you have now) does not cover business liability. Since you're watching children for money on a regular basis, it is indeed considered conducting a business from your home. You need it. Check with your insurance agent. There's an endorsement you can purchase that may or may not cover this exposure. If it doesn't, you can get business insurance.
Don't go without coverage. You could well be ruined financially if the unthinkable occurs! |
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Jessica S
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You don't have to but I would suggest that you do. You also need to check your local laws. In Kansas you can only watch children from one family for less than 20 hours a week without having a daycare license. If you do get licensed I would suggest making your business a LLC. This will help you incase you are ever sued they can't take your house, personnal savings, etc. They will only be able to sue for your daycare assets. |
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fighting saints
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I would strongly recommend getting insurance that would cover this "business pursuit". You probably should also check with your county to see if you are required to be licensed etc.
In many states if you are babysitting more than one child on a regular basis then you are considered a daycare.
You want to have the business insurance in case a child gets hurt on your premises. Your regular homeowners policy will not cover any claim that is a result of a "business pursuit."
I have no clue how much this insurance would cost, but over the years I have denied claims to people who babysat children for money without getting the business insurance. You can't be too careful when taking care of somebody else's most prized possession. |
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nicole h
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YES.....you need insurance case happens to a kids so list to your husband |
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So Cal Johnny
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You'll want some type of insurance. I don't know if your home owners policy would cover you in the event something went wrong? |
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