What Kind Of Insurance Do I Need For A Home Daycare? 
That depends on your state laws . I would recommend that any one that is looking to run a day care have commercial liability policy for the day care and have an umbrella policy on their personal lines . To ensure that you are covered properly for the day care operations you should meet with a local agent to discuss the business so that they can provide recommendations to help prevent you from being exposed tomany liability exposures . 