Slipping On Driveway Snow/Ice Questions

[TomCopeland]

liability

So last week, one of my daycare dad's told us he'd fallen "HARD" on black ice on our driveway. We had a lot of black ice around these parts last week, because we'd had rain and very cold weather and the driveways weren't drying out. I hadn't realized it was a problem until he said something.

I felt like this family was kinda prepping to milk the situation if possible (or necessary, from their pov). And they have lived on a disability settlement in the past. But this particular family is not really my main question here. However, the way they were acting made us more concerned about liability issues with the ice and snow.

It's snowing again today, and it's still snowing. We shoveled and put salt down on the steps and the part of the driveway leading up to the steps. I went out again to shovel (only two kids here so far + DD). But I have another family dropping off at noon. What if I can't get out again?

I let the noon mom know that I'd done my best but that I couldn't guarantee I'd get out again. What is my responsibility here? It's still snowing lightly but sticking.

You are ultimately responsible for anything that happens on your property. Taking common sense measures such as cleaning the driveway promptly and notifying parents to be careful are important. But, most important is to have business liability insurance that provides coverage for injuries. Having parents sign a liability waiver that says they won't sue you won't work to protect you.

[Mom2Two]

You are ultimately responsible for anything that happens on your property. Taking common sense measures such as cleaning the driveway promptly and notifying parents to be careful are important. But, most important is to have business liability insurance that provides coverage for injuries. Having parents sign a liability waiver that says they won't sue you won't work to protect you.

Thanks, as always, Tom.

[Sumshine]

....and it's tax deductible

Even better! I went ahead with assure it was $293 for the liability coverage! Now if only all my other insurances were that price for a years worth of coverage!

[Mom2Two]

Even better! I went ahead with assure it was $293 for the liability coverage! Now if only all my other insurances were that price for a years worth of coverage!

Yeah, I'm finally going to do it. I'm switching to business insurance. I contacted Assure and also our insurance agent for a quote. I'm pretty sure that it's about $450 a year to go through American Family, but I'll see. I guess I'll get to drop the rider, which is $120 a year.

[Mom2Two]

Assure! They are inexpensive and as far as my experience with them goes, very nice to work with.

http://www.assurechildcare.com/

Do you know if they cover transportation or is that just through auto insurance?