Q: What type of liability insurance is needed for a home child care center?
A: A South Carolina attorney could advise best, but your question remains open for four weeks. You could also consider discussing this with an insurance agent who has experience with commercial policies for these types of operations. That way you could identify the risks you need to be protected against - slips or falls on the property, accidental injury to children by employees in the course of their duties, claims by parents, coverage for employees (workers' comp - if applicable), coverage for vehicle if picking children up and dropping them off is involved, etc. An experienced agent should be able to outline for you the risks involved in such an operation, policy limits that make sense for your situation, premiums that are suitable for your budget, and other considerations. Good luck
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