I just saw all the posts on daycare. It's ironic, because I am being forced to close my in home daycare, after fifteen years. No insurance company will cover me any longer. I have had no incidents, injuries or claims in all my years, but now they consider me a high risk with an inground pool, and dog, which I have ALWAYS had, and was covered until this year. Insurance companies have changed their exclusions, and have gotten much more restrictive on coverage, due to so many claims brought from daycares. I had three different insurance agencies trying to keep my daycare from closing, and after three months of contacting every company possible, exhausting every avenue, I got the news today, I have to close. NO company will cover me, not even a commercial policy. They say if I was daycaring off my premises it would not be a problem to get coverage. I think they are trying to do away with in home daycares. They used to cover in home daycare on your homeowner's policy, under the wording of "babysitting," NO MORE! I have always claimed my daycare as a business on my taxes, and used a contract, and provided a handbook. So, although I was going to retire in one and a half years, I will be retiring at the end of this month.
I resigned my job after fifteen years, being a computer lab teacher, at an elementary Catholic school, to begin my daycare when my first grandchild was born. I did not want my grandchild in a business based daycare because I have way too much knowledge of how things are run. So for the past fifteen years, I was able to daycare all six of my grandchildren for free, and have my business. I have probably cared for over 30 children, prepared them for Kindergarten, and each of them entered Kindergarten above normal expected knowledge, and very prepared socially. Some of my kids had special needs, some had medical issues, which I was able to spot before the parents or pediatricians, some had behavioral problems which I was able to help with . Some were very shy when I got them, and by the time they went to Kindergarten, they were well assured leaders, ready to take on the world. Some of my kids are now in college, all of my kids did great in school, and all of the families still continue to keep in touch with me and thank me for all I did for their child. When I see the kids at events, or church, they still come up to me to give me a hug and say hi.
I will miss my kids, but I still teach third grade religion classes on Wed. evenings, and I still have my beautiful grandchildren. My youngest grandchild turned 4 yrs. old this week, so she will be ready for Kindergarten next August. Until then, she will continue coming to Nonnie & Papa's, and I will enjoy this next year with her, one on one!