insurance

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insurance (by keith [IN]) Aug 22, 2009 7:14 AM

insurance (by Rose [CA]) Aug 22, 2009 7:21 AM

insurance (by John [OR]) Aug 22, 2009 7:40 AM

insurance (by myob [GA]) Aug 22, 2009 10:22 AM

insurance (by Reid [KS]) Aug 22, 2009 11:39 AM

insurance (by Reid [KS]) Aug 22, 2009 11:42 AM

insurance (by tc [CA]) Aug 22, 2009 1:29 PM

insurance (by Rick [IN]) Aug 22, 2009 2:49 PM

insurance (by 574-Brad [IN]) Aug 22, 2009 4:10 PM

insurance (by Brian [MO]) Aug 23, 2009 6:12 AM

insurance (by keith [IN]) Posted on: Aug 22, 2009 7:14 AM
Message:

State Specific Question About: INDIANA (IN)

If my tenant runs an off-the-books (not illegal - summer daycare in this case)what is,as the homeowoner,my insurance liability should one of the kids gets hurt? Am I liable should the kid's parents seek damages accordingly? --99.0.xx.x

insurance (by Rose [CA]) Posted on: Aug 22, 2009 7:21 AM
Message:

Yes, your are liable. My insurance co. Farmers will NOT insure me if any rental property is used for even a legal Daycare. --74.37.xx.xxx

insurance (by John [OR]) Posted on: Aug 22, 2009 7:40 AM
Message:

You really need to nip this in the bud- outside of liability issues- the extra wear and tear and use of utilites will be harmful. And if you have someone illegally running a business the local authorities will have every reason to look you over as well- not usually a good thing. --24.21.xxx.xxx

insurance (by myob [GA]) Posted on: Aug 22, 2009 10:22 AM
Message:

no buisness allowed in rental -- period. Make it policy make it the RULE-- don't waiver. --74.184.xxx.xx

insurance (by Reid [KS]) Posted on: Aug 22, 2009 11:39 AM
Message:

--70.250.xxx.xxx

insurance (by Reid [KS]) Posted on: Aug 22, 2009 11:42 AM
Message:

I believe here in kansas you can't stop someone from doing daycare in their home. If I remember right some genius decided to promote more daycare the state legislature passed that law. So you might just check on your states day care rules. --70.250.xxx.xxx

insurance (by tc [CA]) Posted on: Aug 22, 2009 1:29 PM
Message:

In CA you can't stop someone running a daycare business either but you can require them to get and prove they have liability insurance. I suggest you require that of your tenant also. --66.122.xx.xx

insurance (by Rick [IN]) Posted on: Aug 22, 2009 2:49 PM
Message:

Keith look at your insurance policy. I have Erie and they do not allow it unless the babysitter has liability insurance. To be honest babysitting one or two kids happens quite frequently and in all probably you would have no troubles. Especially if the child sitter is a grandparent. --64.12.xxx.xx

insurance (by 574-Brad [IN]) Posted on: Aug 22, 2009 4:10 PM
Message:

My insurance policies specifically state "no coverage for home based daycare business", and I bet yours does too. --66.228.xxx.xxx

insurance (by Brian [MO]) Posted on: Aug 23, 2009 6:12 AM
Message:

I found this online....by googleing :"day care in rentals"

Law protects day care business in rental unit

Project Sentinel

Sunday, May 24, 2009

________________________________________

Q: I have a tenant who is opening a day care in the two-bedroom apartment I own. Is this legal? Am I liable for any damages caused to my property? I am afraid that every tenant in this 16-unit building is going to start businesses out of their homes and the place will become a dump.

________________________________________

I have worked hard to maintain decent housing and I don't want car repair or dog kennels operated from the premises.

A: It is illegal to deny housing to an individual on the basis of operation of a licensed home day care. You can request to see a copy of the provider's license and have the parents of the children attending the day care sign a liability waiver for your protection.

You may not increase the rent or charge a higher deposit than that allowed by the law (usually two times the rent.) You can also ask to be added as an "additional insured" on the day care provider's insurance policy, but if there is a cost involved, you will have to pay it.

Federal legislation passed in 1996 defines a family day care home as a home supervising 12 or fewer children for less than 24 hours a day. Current law requires day care homes to be licensed, have liability insurance or have parents sign a waiver of liability to protect the property owner.

According to this legislation, "current law prohibits written restrictions on conveyance, encumbrance, leasing or mortgaging of real property for use or occupancy as a family day care home for children. If written agreements do so, they are void." While you must allow licensed home day cares, you are under no obligation to permit any other home-based businesses.

For more information about home day care and the current state and federal regulations, visit the Web site for the Child Care Law Center, www.childcarelaw.org/links.shtml or attend Project Sentinel's fair housing training for landlords by calling (888) 324-7468.

Read more: h t t p://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/05/24/REKR17DDKD.DTL#ixzz0P0l2IABX

--205.188.xxx.xx

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