Legal and Insurance Knowledge for Family Child Care

Articles and other resources on the business of family child care – legal and insurance issues.

Here are a variety of articles that can help you reduce the risks of running a family child care business out of your home. Probably the most important thing you can do is to have adequate insurance. There are also several articles on how to protect yourself from an allegation of child abuse. Lastly, there are articles to help you if you need to find a lawyer, are considering incorporating your business, or want to know how the Americans with Disabilities Act affects you and your business.

Questions & Answers

Download Frequently asked questions and answers about legal and insurance topics.

Americans with Disabilities Act

Family child care providers may not discriminate against children with disabilities. This article explains the key provisions of the law.
Download Americans with Disabilities Act document

Business Liability Insurance: Don’t Be in Business Without It

This article summarizes the coverage you should look for in a policy, the amount of coverage you should purchase, and where to find a policy.
Download Business Liability Insurance: Don’t Be in Business Without It

The Consequences of Incorporating

This article includes a chart explaining the key differences in the four major business structures you can operate your business under.
Download The Consequences of Incorporating

Finding and Paying for a Lawyer

Tips on how to find an affordable attorney to represent you.
Download the Finding and Paying for a Lawyer document

Homeowners Insurance and Car Insurance – Are You Covered?

This article explains that these two insurance policies may no longer cover you once you start using them in your business. You can only be sure by contacting your insurance agent and getting proof of coverage in writing.
Download Homeowners Insurance and Car Insurance – Are You Covered? document

How to Prepare for an Investigation

A practical article by Frank Perri, an attorney, on how to prepare for an interview if you are being investigated by a state agency for child abuse or neglect.
Download How to Prepare for an Investigation document

Liability Insurance and the Family Child Care Provider

This article gives a good overview of the issue in an extensive Q&A format. It includes a glossary of terms.
Download Liability Insurance and the Family Child Care Provider document

Protecting Yourself From False Accusations

Although there is no way to prevent a parent from making a false complaint against you this article discusses how keeping in close communication with your licensor, keeping careful records, and purchasing business liability insurance can help protect you.
Download Protecting Yourself From False Accusations document

Publications on Legal & Insurance

Caring for Our Children: National Health and Safety Performance Standards: Guidelines for Out-of-Home Child Care from the National Resource Center for Health and Safety in Child Care and Early Education

Child Care Law Center has a number of free downloadable publications on the Americans with Disabilities Act and other publications specific to providers in California.

Family Child Care Legal & Insurance Guide by Tom Copeland

Landlord and Tenant Issues for Child Care, Volume 2: For Providers from Enterprise Community Partners

Nolo Press has several do-it-yourself legal publications including Incorporate Your Business and Form Your Own Limited Liability Company.

 

Disclaimer: Materials and links provided by First Children’s Finance on this website do not constitute legal, accounting, tax or finance advice or professional services. Readers seeking professional advice about specific aspects of their business should consult a member of our staff or other qualified professional.