Maine does not require homeowners or liability insurance. They do require auto if you transport. AS you are operating this small business to provide for your family and considering the natural liability such a small business of this type opens you up to, it is strongly encouraged by FCCAM that you get both homeowners and liability insurance in place.
Insurance Needs for FCC – How Insurance Protects You in an Emergency – Prepared by Tom Copeland, this resource talks about insurance for family child care providers.
CHILD CARE LIABILITY INSURANCE – information sheet prepared by the Maine Bureau of Insurance
Following are carriers of Business Liability Insurance that we know cover family child care providers in Maine:
Assure Child Care, working within the Adults & Children’s Risk Purchasing Group, Inc. provides access to Group Accident & Liability Insurance for Child Care Providers through two of the strongest names in the insurance industry, Philadelphia Indemnity Insurance Company and StarNet Insurance Company. Assure Child Care Group Accident & Liability Insurance Policy is available to Licensed Family Child Care Providers in over 40 states and the District of Columbia. Hays Companies, Inc is the licensed producer for Assure Child Care.
fccamaine.com 