Is Your Home Daycare Insurance Ready for the Child Care Law Changes?

Written by on 2015-12-01 6:29 AM . It has 0 Comments.

On August 31, 2015 a new law came into effect called the Child Care and Early Years Act or CCEYA. Both parents and daycare providers need to know what parts of the law have been updated and what they can do to ensure child safety is a priority. Some changes come into effect in 2016.

Highlights from the CCEYA Include:

  1. A licensed home child care provider can care for a maximum of 6 children under the age of 13
  2. An unlicensed child care provider can care for a maximum of 5 children under the age of 13
  3. Both licensed home child care providers and unlicensed providers must count their own children under the age of 6
  4. Care for a maximum of only 2 children under the age of 2
  5. All childcare providers must have a valid standard first aid and CPR/AED certification

Numbers 3 and 4 are two new rules for unlicensed providers and will come into effect on January 1, 2016. Want to know more about the changes? Visit the Ministry of Education website and read about the new rules here.

Where is Your Insurance Coverage?

Some insurance companies don’t cover unlicensed day cares insurance while others do. Some won’t insure a licensed daycare, but may offer protection for unlicensed childcare providers. Some companies will allow a home based addition for daycare to be added onto your homeowner’s policy. Others do not insure any daycare as part of your principal residence insurance. Confusing isn’t it?

Having a broker, like Erb and Erb Insurance Brokers Ltd., in your corner means you have options to choose from. Let’s talk about your specific needs.  Perhaps you require a daycare extension added to your home policy or a specific commercial insurance policy put in place to protect you, your family, your business and your clients.

Would you like to know more about insurance options for daycare providers? You can send us your inquiry here or you can call us at 800.265.2634. An insurance expert will guide you through your options.

Have a question or comment? We’d love to read it below.

Thanks for reading.

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