We have opened a home business adult day care in our home and can not find the business liability insurance to cover it. We are in Nevada and is licensed to care for six adults (age) during the day. Does anyone have any idea that we can contact? Thanks. If calling from State Farm, Country, etc, the companies directly, you can not continue. It will be a kind of surplus lines policy. You should contact a local agent (or two, or three) and have kept for you. Probably will end up with Scottsdale. You can not go directly to an insurance company in this sector. You must use an independent agent. And I would be surprised if it's less than $ 5000, with the exception of assault and abuse coverage. Probably, you also need property coverage. If you run this business at home, a large increase in exposure of the policies of property, and they will stop. You really have commercial property to cover your home and your possessions cover it you can use in your business is naturally more expensive than homeowners coverage, but in all cases, your application will be covered if one of your customers accidentally burn down the house. Home insurance covers many things. I'm not sure about Nevada laws and regulations, so I suggest you call a nearby homeowner's insurance. http://www.usinsuranceadvisor.com/Home-Insurance.html They will help you .
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