Note that Minnesota Statutes § 65A.30 makes clear that there shall be no coverage under a day care provider’s homeowner’s insurance for loses or damages arising out of the operation of day care services unless specifically covered in a policy or covered by a rider for business coverage attached to a policy. In addition a potential provider should discuss with a licensed insurance agent the need for other kinds of insurance coverage like: - Business Automobile Insurance covering damage to property or bodily injury caused by the operation of a vehicle in conduct of the child care business, such as during field trips; - Business Interruption Insurance covering income loss if the business is damaged by a natural or man-caused disaster and must stop conducting business in order to make repairs; - Crime and Fidelity Insurance covering situations where the business is a victim of events like robbery or employee theft; - Workers’ Compensation Insurance (required by Minnesota law) covering injuries to employees; - Umbrella Insurance Policies providing extra coverage if the cost of a covered event (such as death or major injuries to multiple parties) exceeds the coverage limits of other insurance policies.
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