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do you have to have insurance if you have a home daycare in south carolina?
Mar 03, 2007 by bubblegum | Posted in Insurance
im doing a research project and a family already has insurance through the dads work, but does that mom who is starting her own daycare need any type of insurance?
Thanks.
There is no legal entity that requires you to have insurance, when you have a business in the home. But there are a few things to keep in mind:
1. Homeowners insurance includes PERSONAL liability, NOT business liability. If one of the parents should sue you for some reason, do NOT expect to have any coverage on your homeowners policy.
2. A homeowners policy has VERY LIMITED coverage for stuff used in your business - usually around $250 to $500. So, if you have a computer you use to track expenses, plus all the plastic yard toys, plus indoor toys, etc, and a HOUSE FIRE, do not expect the daycare related items to be covered.
3. With business foottraffic in and out of your house, if your homeowners insurance carrier finds out you're running an uninsured business out of your house, there is a STRONG chance they will cancel your policy.
4. When you say "the family has insurance through dad's work", I'm sure you mean health insurance. Well, that's not going to cover if one of the day care kids punches another kid in the nose, and breaks it. Or they trip in the back yard and break their leg. You'll be paying THOSE expenses out of pocket.
mbrcatz | Mar 03, 2007
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What are living conditions, jobs, costs, taxes, and insurance (car & home) like in Georgetown, South Carolina?
Jun 27, 2007 by Blue Rose | Posted in Renting & Real Estate
Thinking of relocating and would like some personal opinions first. Thank you, in advance for all input.
Looking in the area of Arbors at Wedgefield Plantation
Gas station prices: Speedway 625 Regular $2.79 Plus $2.91
Real estate, rent. The best prices in Georgetown SC HERE:
http://www.realstateamerica.com/ciudad.php?ciudad=Georgetown%20SC
El Jingo | Jun 27, 2007
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South Carolinas home owners insurance/taxes??
May 13, 2007 by s7e28w81 | Posted in Renting & Real Estate
How is South Carolina's taxes/homeowners insurance comparable to Florida? I'm expecting 1200 annual for taxes and under 2400 for insruance. IS this about right?
Upstate South Carolina, near Greenville.
You might want to go into more detail about where in SC. There are coastal parts of the state, but there are also parts that are significantly inland. That will make a lot of difference in the insurance rates and possibly for the local taxes (though the state taxes wouldn't be impacted by it.)
ISOintelligentlife | May 13, 2007
COBRA leaves users little for food, rent - Greenville News
10.01.09
John Peeler always took comfort in the knowledge that if he ever lost his job he'd at least have health insurance for his family through a federal law known as COBRA. Intended to keep employees from losing their insurance along with their jobs, the Consolidated Omnibus Budget Reconciliation Act of 1985 allows people to keep their employer coverage for up to 18 months, so long as they pay the full premium. But when the 39-year-old father of three lost his job as an IT manager in November, he discovered that his $1,304 monthly unemployment check barely covered his $1,318 monthly premium, forcing him to choose between a home and food for his family, or health insurance. "I can either pay the mortgage and have groceries or pay COBRA and have nothing to eat and foreclose on the home," said Peeler, of Moore. "I haven't slept more than two hours a night since November worrying about all this." Turns out Peeler is typical in South Carolina, where the average unemployment payment equals the average COBRA family premium, according to new research from Families USA. Released Friday, the study concludes that COBRA insurance is so expensive that most just can't afford it.
Source: Greenville News, SC
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South Carolina home insurance - News
COBRA leaves users little for food, rent - Greenville News
Greenville News, SC - Jan 10, 2009
COBRA leaves users little for food, rent Released Friday, the study concludes that COBRA insurance is so expensive that most just can't afford it. In South Carolina, the average monthly
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Insurance on coast faces audits - Myrtle Beach Sun News
Myrtle Beach Sun News, SC - Jan 07, 2009
Insurance on coast faces audits South Carolina's home insurance industry fares much better, Marlett said. "Our neighbors, South Carolina and Virginia, are in a considerably better
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US EQUITIES WEEK AHEAD: Alcoa Kicks Off 4Q Reports
CNNMoney.com - Jan 09, 2009
TO), the third-largest Japanese auto maker, is the biggest of the manufacturers staying home from the North American International Auto Show that opens
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Local hospice center sold to Tenn. firm - Charleston Post Courier
Charleston Post Courier, SC - Jan 08, 2009
Local hospice center sold to Tenn. firm Before the last week's purchase, National HealthCare's only South Carolina hospice was in Greenville. Funded largely by Medicare and private insurance,
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Business roundup - The Birmingham News - al.com
The Birmingham News - al.com, AL - Jan 09, 2009
Business roundup South. Bay Industries Inc. renewed its 8750-square-foot of industrial lease at Birmingham Food Terminal & Distribution Center at 2229 26th Ave. West.
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Find Home Insurance in Clinton, SC (South Carolina) and search our full Finance & Insurance directory at DexKnows.com. Dex Knows the internet yellow pages.
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