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RUNNING DAY CARE OUT OF YOUR
HOUSE?
By Chuck Wells
If you run a licensed day care
operation out of your home, do you need extra insurance to cover
you should one of the kids become injured and the parents sue
you or will your home insurance policy pick up this coverage?
Your home insurance policy will not cover you from claims
for any business activity. A business activity is any full time,
part time, or occasional trade where you get money or other
compensation. It doesn’t matter how much money you make. If you
charge one dollar, it is a business.
The standard response I get back from women running day care is:
“But these are all friends and relatives of mine so they won’t
sue me.” Right. When a child is injured, you will be sued. It
doesn’t have to be your fault and it could be your best friend’s
kid. You will be sued. I have seen it happen many times.
How do you protect yourself? If you have 5 or fewer kids you
care for, you may be able to get the additional coverage on your
home insurance policy. It should cost about $200 for the year.
If you have more than 5 kids, you may have to get a separate
business policy and those start at about $500 for the year.
Can’t afford the insurance? Don’t do day care. You can’t afford
to lose everything you own by not carrying insurance.
HOW TO IMPRESS MEN AND WOMEN
How To Impress A Woman:
Wine her, dine her, call her, hug her, support her, hold her,
surprise her, compliment her, smile at her, listen to her, laugh
with her, cry with her, romance her, encourage her, believe in
her, pray with her, pray for her, cuddle with her, shop with
her, give her jewelry, buy her flowers, hold her hand, write her
love letters, go to the ends of the earth and back again for
her.
How To Impress A Man:
Show up naked Bring the food Don’t block the tv
COPS MISS THE TARGET
Thomas McGouey of Knoxville, Tenn. wanted to commit suicide by
having police shoot him. He left a suicide note to the police
and painted a bull’s eye on his body before arranging a
stand-off with police. He then pointed a gun at the police. Only
one problem. The police shot at him 28 times. They missed
McGouey 27 times and just grazed his shoulder on one of the
shots. So much for the bull’s eye.
DWI ?
Police arrested Wayne Hoffman in Minnetonka, Minn. for DWI.
Police thought it was suspicious when they saw Hoffman trying to
put air in his car’s tires at a gas station using the vacuum
cleaner hose.
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