Contact a 'multiline' insurance agent, if they cannot provide the policy you need they will be able to direct you to an agent that can.
Daycare, babysitting, pediatric nursing, etc.
You need General Liability Insurance. Many isurers have programs tailored for day care canters you can obtain from any authorized insurer in your state.
Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
Daycare InsuranceWhen seeking any type of insurance, including insurance for operating a daycare, always start by calling your local agent. They should be able to meet most if not all of your insurance needs. ..
Most require it as it is a safety precaution and a good daycare will have it. However, it is not a requirement of of all daycare facilities.
People who look after children but who do not have training as doctors or nurses, run daycare centers.
It really depeneds on where you work. I doibt someone would give you free insureance for working at a daycare. But my boss did give me free health insurance. But he did take it away. So I guess my answer is: NO
There is no specific amount for daycare for 2 children. The cost is going to vary according to the companies rates.
B. Liability insurance
You should be able to secure coverage through a local Commercial Property and Casualty agent. You may also want to check with any association or trade group in the industry to see if they have any special packages. Finally, check with the Virginia Bureau of Insurance: http://www.scc.virginia.gov/division/boi. They should be able to direct you.
Your local insurance broker (Or me) can help you out, but just as an FYI in home day care is considered VERY high risk, so the cost of insurance on the operations is likely to be $7,500+ per year including general liability and an employee or two on work comp. This does not include any coverage for transporting kids which would be seperate, along with most likely an accident and injury policy for smaller bodily injury claims.
For a daycare, whether it be at a rented location or in home, you need to have general liability insurance, workers compensation insurance for employees, and possibly an accident policy to cover the children should small medical issues/claims arise from your daycare operation. Transporting the childern would bring significant additional risk so is best to avoid if possible. At home daycares are more difficult to insure than a facility specifically built for daycare and 100% childproofed. In California, insurance for a start up daycare facility with two employees is likely to cost over $10k for the whole package (Gl and work comp)