Homeowners policies usually won't pay claims related to sexual abuse. This article discusses a third option, a commercial liability policy. Often, the only rule is that you meet state licensing standards. You must also meet underwriting requirements that define a safe operation. These may include restrictions on pools and pets.
Commercial policies cover more situations than endorsements.
These policies usually cover events away from the home. Sometimes, you are covered while transporting children. The insurance often covers negligent supervision and damages related to serving food. Defense costs for sexual abuse claims may be covered but at a lower amount. Higher premiums often include an accident policy that will pay medical bills.