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Child Care - Family/In Provider Home
Child care providers risk three types of financial loss. If a child is injured, a day care provider may have to pay the victim's hospital and doctor bills. If there is a lawsuit, damages may be awarded to the victim or the victim's family. In addition, a provider could have to pay court costs and attorney fees.
Medical or accident insurance will pay for the victim's doctor and hospital bills. Most liability policies include medical and accident insurance. If your policy does not, you might need separate coverage.
Liability insurance usually will pay for damages awarded by the court. These policies also will pay the defense costs.
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