Thoughts on a Balance Bike Daycare?

[Blackcat31]

Logistically you're going to need bigger liability coverage.

I just wanted to add that in my area only TWO companies will cover home daycares at all. All other homeowner's insurance companies will not cover you with a daycare, and if you don't disclose it your insurance is voided. These companies also require you to have additional liability insurance (which is a great idea anyway). I've never made a claim and I live in a newer home in a safe area, and it is still pretty pricey. So, I have to tread very lightly when making choices about outdoor activities because if I lost coverage or if my premium increased, it could ruin my business. I won't even get a full wooden play structure at this time. It is worth thinking about how much flexibility you would have if something were to happen and rates were to be raised.

OP is in MN.

We aren't even required to have liability insurance at all.

I'm not saying anyone should or shouldn't have it, I am only saying in MN we are not REQUIRED to.

[TheMisplacedMidwestMom]

Was going through licensing regs for my state (Alaska) and came across this:

A child care facility may not provide a program of moderate-risk activities on a regular basis unless the facility has a specialized program activity specialization approved by the department. Moderate-risk activities include specialized program activities such as gymnastics, swimming, camping, wilderness walks, horseback riding, canoeing, skiing, climbing, fishing, skateboarding, rollerblading, scooter riding, and bike riding.

...not sure if that includes balance bikes, but sheesh, most of them I get, but bike/scooter riding?