Child care businesses have their unique issues. One of them is transporting a child. Usually the transportation of children is the responsibility of the parent or guardian. Many child care businesses provide transportation of children from the business location to school and back again which is a vital service for working parents and guardians. You may also provide transportation on a limited basis for field trips. Please keep in mind that transporting children for any circumstance changes the insurance risk of your business with regard to liability. Because the auto insurance policy can be extremely limited or restricted when transporting children, make certain that you discuss the scope of your transportation responsibilities with your insurance agent. Your agent can put in place the coverage that will give you the correct protection. Protect your future by asking the right questions and getting the correct answers.
Chris Raders of Ted Hamm Insurance 805-238-1818