57 / 87
July - August 2018
57
boatingonthehudson.com
and any injury to the children can be excluded from your homeowners policy. Some
of the homeowners insurance companies we represent offer an endorsement at
a reasonable to cost to add liability coverage for this home day care exposure.
Depending on the number of children, a separate commercial day care policy might
be needed as well as a medical policy. More hazardous kinds of “on the side”
work might be snowplowing, tree trimming, power washing or handyman repairs.
Although these classes of work can’t be covered by an in home business policy , a
separate commercial policy can be purchased in you individual name, if you do not
have an LLC or corporation.
At Karas Insurance Agencies Inc we are a family-owned independent agency
that has been insuring all types of businesses since 1973. We have licensed,
experienced insurance brokers to answer your questions and provide quotes for
your business that is not insured now, or comparisons for the insurance policies
you may already have. Please give us a call or you can email me at cathykaras@
karasinsurance.com for a free, no obligation quote. We are open Monday through
Friday 8:45 am - 4:45 pm.
Cathy J. Karas, President - Karas Insurance Agencies Inc., 321 So
Riverside Ave, Croton-on-Hudson, NY 10520
Disclaimer: This article is for informational purposes only. For full
details on your own policy, contact your insurance broker or company.