2.

Follow the law and establish proper policies to keep children safe Providers cannot discriminate against families because of race, color, sex, religion, disability, or national origin. Disability includes physical handicaps, learning disabilities, HIV, and AIDS. Providers should understand their responsibilities under the Americans with Disabilities Act. Providers should follow the proper sleeping procedures with infants by putting them on their backs to prevent SIDS. Obtain adequate insurance to protect against major risks Homeowner’s insurance: Many homeowners’ insurance policies exclude coverage or severely limit the coverage for a family child care provider.

 3.

Obtain a written statement from the insurance agent that the home and contents are fully covered for business use. Car insurance: Providers who use their car on a regular basis for their business may need to purchase commercial car insurance. Discuss your use of your car with your agent to ensure that you are properly covered. Business liability insurance: Providers should purchase a business liability insurance policy that covers them against lawsuits. Purchase as much as you can afford: ideally coverage should be in excess of one million dollars.