Commercial Insurance For Vehicle

[wdmmom]

So corporate is telling me NO I don't need commercial insurance as long as I am not being paid to transport kids to and from school on any form of consistence basis.

BUT my agent is telling me NO, that is not correct...I am sooooo frustrated...

Same problems I ran into. One DCM said she wanted me to provide transportation to and from preschool for DCB. I looked into it and because it would be consistent and a regular service, I required a commercial policy.

If I want to take the kids to the pumpkin patch as a field trip, I don't need to have commercial insurance because it is not a trip we take on a regular basis.

I also know that if you advertise that you provide transportation, advertise your vehicle as a business vehicle or charge for transportation, you need a commercial policy...in Iowa anyway.

[daycare]

Same problems I ran into. One DCM said she wanted me to provide transportation to and from preschool for DCB. I looked into it and because it would be consistent and a regular service, I required a commercial policy.

If I want to take the kids to the pumpkin patch as a field trip, I don't need to have commercial insurance because it is not a trip we take on a regular basis.

I also know that if you advertise that you provide transportation, advertise your vehicle as a business vehicle or charge for transportation, you need a commercial policy...in Iowa anyway.

I just got off the phone with progressive insurance and they said I would need a commerical policy... they said because of the high risk of libality, personal auto does not cover. I tried to tell them that I don't need to transport children in order to satisfy my services to these parents, as the job itself does not require me transporting children for any reason. they said even if I take them to the park, i needed commerical insurance even if it was once every 6 months....I think is BS!!!....thats just rubbish

If I decide to go commerical, my insuance will go up $120.00 a month, which I don't think that I could swallow right now.

[jolson]

I'm just starting a daycare, and my current insurance (Auto-Owners), said the same thing.

I'm switching to State Farm.

I would recommend looking at West Bend as your insurance carrier. They have a great Childcare Insurance program and will also write your vehicle coverage if you transport children. State Farm only offers a rider to your Home insurance coverage (limited coverage) and will not cover personal vehicles used for business, which typically includes transporting people. I am an independent insurance agent in MN.