New Hampshire lets a licensed program insure or disclose, and insists the car be covered either way.

It is your choice, on the record. He-C 4002.05(j), carrying out RSA 170-E:6-b, requires every licensee to either maintain liability insurance or disclose to parents at enrollment that the program is uninsured, with no minimum amount. Family and family group homes are under the same rule. The one insurance New Hampshire makes mandatory is on the vehicle: any car carrying enrolled children needs proof of current liability insurance, whoever owns it.

General liability, explained

Yes, and New Hampshire’s licensing rule does not ask for it, so nobody else will until the claim arrives. A general liability policy without the endorsement excludes it. It is written as a sublimit, often below the general liability figure, and sometimes on a claims-made form, which stops responding the day the policy lapses, unlike occurrence. Every carrier conditions it on screening, and the background check New Hampshire already requires of you is most of that condition met.

Abuse and molestation coverage, explained

Yes, and the rule reaches further than the program’s own van. He-C 4002.31(g) requires proof of current liability insurance for any vehicle used to transport children, whether owned by the program, a staff member, or a parent driving children other than their own. For the program’s vehicle that means commercial auto, since a personal policy excludes business use. For a staff member’s car it means seeing their insurance card before the first field trip, and keeping a copy on file.

Commercial auto for a daycare vehicle

Workers comp for the staff, because a daycare is staffed by ratio and the afternoon assistant is an employee whatever the paperwork calls them. Property on the contents and the playground equipment, and business income for the weeks a burst pipe or a licensing suspension keeps the doors shut. Accident medical, which pays a child’s urgent care bill without anyone proving fault. Commercial auto if any vehicle carries children. We place all of it for New Hampshire programs, with the licensing rule read first.

Every coverage a New Hampshire business needs, in one place

Because it is the claim that ends businesses, and because an allegation is expensive whether or not it is founded. Coverage is usually written with its own limit, and the important questions are whether defense costs sit inside or outside that limit, and whether the form covers allegations against volunteers and parent helpers as well as employees. Expect underwriters to ask hard questions about background checks, two-adult rules, sightlines, camera coverage and bathroom procedures — those answers determine whether you can be written at all.

How this coverage is structured

Yes, and hired and non-owned auto if staff ever use their own cars. Field trips, an emergency run and a school pickup all count, and a personal auto policy excludes carrying children for business. No exposure is more likely to produce a catastrophic claim from an otherwise low-severity business, so the limits should be set with that in mind rather than at the minimum.

Coverage for staff cars used on business

No, and this is the most common uninsured position in the sector. Homeowners policies exclude business pursuits, so a child injured in your home daycare is not covered, and in some cases the business use itself can jeopardize the whole policy. Home childcare needs a commercial policy — it exists and is affordable — alongside a disclosure to your home insurer that the business is being run there.

Almost everything, because the state ratios and standards are what an underwriter uses as a baseline. Being licensed and in good standing widens the market substantially; operating over ratio, with lapsed staff clearances or with an open licensing complaint narrows it fast. Insurers commonly ask for the current license, recent inspection reports and your staff-to-child ratios by age group, so have those to hand at quote.