Monthly Archives: June 2025

Will Home Insurance Cover my Daycare Business?

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Running a daycare out of your home can be incredibly rewarding, but it also introduces risks that many homeowners don’t anticipate until something goes wrong. If you’re caring for children in your Minnesota home, it’s crucial to understand whether your existing homeowners insurance policy through Pizano Insurance, serving Wayzata, MN, provides adequate protection. In most cases, the answer is more complicated than you might hope.

Standard Policies Often Exclude Business Activities

Most homeowners insurance policies are designed to cover residential risks—not commercial operations. This means that if a child is injured while in your care or if a parent’s property is damaged during pickup, your insurer may deny the claim. Even though the incident occurred in your home, the fact that it happened during the course of business changes the coverage situation significantly.

Liability Is a Major Concern

Liability is one of the biggest risks for daycare owners. A fall, allergic reaction, or even a misunderstanding could lead to a legal claim. Standard liability coverage in a homeowners policy typically does not extend to home-based businesses, especially when clients (in this case, children and parents) are regularly on the premises.

Consider a Home-Based Business Endorsement

To ensure proper protection, many in-home daycare providers add a business endorsement to their homeowners policy or purchase a separate daycare liability policy. These options can help cover property damage, bodily injury, and even legal defense costs. In Minnesota, some insurers offer specific coverage packages tailored for licensed daycare providers, making it easier to find the right fit for your needs.

Don’t Take Risks—Ask an Expert

Before opening your doors to clients, consult with a local insurance agent at Pizano Insurance, serving Wayzata, MN. They understand both home and business liability laws in Minnesota and can help you secure the right coverage. With the proper insurance in place, you’ll have peace of mind and can focus on what matters most—the children in your care.

Beware of Credit Card Skimmers

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If you drive a car in Minnesota, you’re required by law to have auto insurance. Some drivers may have questions about their auto insurance policies. If you live near Wayzata, MN, our team at Pizano Insurance is here to help. We’ve been serving clients in your area since 1994.

How to Protect Yourself from Credit Card Skimmers

According to the Minnesota Department of Commerce, reports have been made to Weights and Measures Inspectors about credit card skimmers at gas pumps. These small electronic devices are attached to credit card readers or gas station pumps to steal customers’ credit or debit card information. Once criminals obtain your data, they can use it for fraudulent purchases or sell it for identity theft. Gas station owners are regularly reminded to inspect their pumps and card readers to detect and report any issues with these devices.

When you’re at a gas station, please take a close look at the card reader or gas pump before using it. According to the Minnesota Department of Commerce, tool marks or broken seals on these devices may indicate the presence of a card skimmer. Additionally, while any gas pump can potentially have a skimmer, pumps located on the perimeter of a station are more likely to be targeted, since they are farther from the view of the station’s staff.

Contact Us Today for Assistance

At Pizano Insurance, we take pride in treating every client as an individual and providing personalized advice that fits your unique situation. Clients in Wayzata, MN have come to trust us for reliable insurance guidance. Call us today to schedule an appointment, and let us help you find the right insurance solutions for your needs.