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By Chuck Wells

If you run a licensed day care operation out of your home, do you need extra insurance to cover you should one of the kids become injured and the parents sue you or will your home insurance policy pick up this coverage?

Your home insurance policy will not cover you from claims for any business activity. A business activity is any full time, part time, or occasional trade where you get money or other compensation. It doesnít matter how much money you make. If you charge one dollar, it is a business.

The standard response I get back from women running day care is: ďBut these are all friends and relatives of mine so they wonít sue me.Ē Right. When a child is injured, you will be sued. It doesnít have to be your fault and it could be your best friendís kid. You will be sued. I have seen it happen many times.

How do you protect yourself? If you have 5 or fewer kids you care for, you may be able to get the additional coverage on your home insurance policy. It should cost about $200 for the year. If you have more than 5 kids, you may have to get a separate business policy and those start at about $500 for the year.

Canít afford the insurance? Donít do day care. You canít afford to lose everything you own by not carrying insurance.


How To Impress A Woman:

Wine her, dine her, call her, hug her, support her, hold her, surprise her, compliment her, smile at her, listen to her, laugh with her, cry with her, romance her, encourage her, believe in her, pray with her, pray for her, cuddle with her, shop with her, give her jewelry, buy her flowers, hold her hand, write her love letters, go to the ends of the earth and back again for her.

How To Impress A Man:

Show up naked Bring the food Donít block the tv


Thomas McGouey of Knoxville, Tenn. wanted to commit suicide by having police shoot him. He left a suicide note to the police and painted a bullís eye on his body before arranging a stand-off with police. He then pointed a gun at the police. Only one problem. The police shot at him 28 times. They missed McGouey 27 times and just grazed his shoulder on one of the shots. So much for the bullís eye.


Police arrested Wayne Hoffman in Minnetonka, Minn. for DWI. Police thought it was suspicious when they saw Hoffman trying to put air in his carís tires at a gas station using the vacuum cleaner hose.

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