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Child Care Insurance

How To Start A Home Based Child Care Business

Starting a home based child care business

Starting a home based care care business in your home is not that hard to do. However, it does take some planning. After all, Rome was not built in a day. Plus, you want your new business to be safe and profitable.

In today's job market many families are taking in children as an extra sourse of income. Even retired grandmothers are seeing the benefits of working at home with children.

This is a win-win situation for the person offering the child care as well as for the parents who would like to have a better environment for their children during the day. A stay-at-home mom can provide that extra attention to the children in her care because she is not babysitting as many children as a child care business. Grandmothers can offer children an entire lifetime of experience and teaching.

Truly, starting a home based child care business can be rewarding for the kids, the parents, and the owner.

Here are some things to consider before hanging out your child care business shingle.

  1. Do you have the extra room?
  2. What licenses are required in Ohio and from which agencies?
  3. What types certification do you need?
  4. What are the child-care needs of your community?
  5. Check on zoning and any other legal issues.
  6. Estimate your startup costs for toys, cots, blankets, games.
  7. What is your plan for accident and illness?
  8. What kind of insurance coverage will adequately protect you and the children in your care?

Most homeowners insurance will not cover you, your property, or the children, if you are charging for child care services. That is why the folks at Janasko Insurance Agency and West Bend have developed a special policy just for in-home child care providers. It makes starting a home based child care business easy and affordable. For more information on this special insurance program just for in-home child care providers use the more info box located at the top right.

In-Home ChildCare Liability Insurance

In-Home ChildCare Liability Insurance in Ohio

Nowadays, more and more folks with childcare experience are babysitting in their homes to make money or to supplement their retirement income. This can be great deal for parents that do not want to put their children in a traditional childcare facility. However, an in-home daycare provider should know up front that their homeowners insurance might not be enough to protect them in the event of an injury or disaster. They will need an insurance policy that is specifically designed for in-home daycare providers.

Having In-Home ChildCare Liability Insurance provides protection up to the policy limits for any type of property damage, bodily injury, or physical harm, caused to the children in your home.

Some policies can have medical payments built-in. This can give the daycare provider a great sense of security and give the parents some peace of mind knowing that their children are protected.

In the past, buying an in-home child care liability policy was unaffordable for the average in-home childcare provider. This has changed today though. Your local Janasko Insurance agent in Ohio has partnered with West Bend Insurance to create special protection just for in-home child care providers. These policies offer the exact coverage they need at tremendous savings.

For more information about becoming an in-home child care provider, visit

To find out more about this exciting new program that can offer you affordable In-Home ChildCare Liability Insurance simply use the more information box at the top left.

At Janasko Insurance, we are the in-home day care specialists! We have joined together with West Bend Agency to offer our exclusive Liability Insurance for In-Home Day Care providers. Now, you can get top rated coverage at the lowest possible cost.

We want to help baby sitters lower their insurance bill by up to 37% RIGHT NOW!

To find out how to save on baby sitting liability insurance simply fill out the form above on the top left, or follow this LINK to recieve more information and a FREE gift, The Circle Of Safety Book.



We work hard to save you money

How to open and protect my childcare center

How To Successfully Open and Protect My Childcare Center

You have entailed the child care strategy, selected your child care advertising plan, as well as detailed the daycare operations agenda. Now, it is time to sit right down and work out just how much money you may want for the operations. However, what way will you begin to understand how much is required if you have no idea what kind of costs you may incur? Whilst there are plenty of different costs associated with owing a child care center, many folks wonder how to protect my child care center. Here’s a listing of typical expenses may incur.

1. Development Costs

These will be expenses that happen only once when establishing the child care center. First, let’s take a look at the physical center.

You’ll need to determine just how much the renovations will cost and, what kind of furniture and fittings too. Things like office equipment, which you might be meaning to purchase for the child care centre is included. Don’t forget fire alarms, cutlery, smoke detectors, and decorative items like notice sheets, posters and toys, etc. From time to time, these small items will add become quite a bit so be somewhat careful in this area.

Next, consider most of the paper work cost like licenses, permits, establishing of checking account, lease deposit, expenses paid to land agent for helping to secure your center. On the whole any administrative expenditure.

2. Employees costs

After that, you will want to see what number of employees you're meaning to hire for the child care center and what it's going to amount to on a month-to-month basis. To get a more precise gage, you will want to complete a forecast about how many children you expect to get, that will consequently impact the amount of staff required.

Determined by the findings, calculate what you're aiming to pay your entire day care workforce. Next, you will want to check out the secondary cost like medical insurance, health check benefits, taxes, ill or holiday leave and bonuses. On median, such cost could about 15-20% of of their wage.

3. Operating expenditure

At last, list down what the prices you imagine to incur on the monthly or recurring basis to control your child care business.

The very first kind of cost is the executive expenses like per month loan / mortgage repayments. Ask, What coverage will be needed to protect my childcare center, conservancy costs, hire obtain repayments, leasing, utilities, provisions, etc. You must also consider which costs occur frequently including upkeep and restoration.

Setting up budgets is definitely an exhausting issue but a great budget is totally necessary because it helps the proprietor to anticipate the quantity of money and operating cost he or she might want to put aside to have a smooth running childcare business.

How To Find A Good Child Care Center Ohio

Ohio offers a broad variety of child care options for its residents. This allows them to choose between an institutional facility and in-home child care. The parents of preschoolers will choose to place their child in a "traditional" preschool or enroll them in a Montessori school. Those who desire one-on-one care for their children may decide to hire a nanny or an au pair. This can be done privately or through an agency to find a good child care center ohio

Janasko and West Bend Agencies can provide a list of qualified child care providers, as well as preschools, before, and after school care in the area. A licensed day care is one that has met all of the state's requirements for safe operation and is insured. Being licensed and carrying the minimum level of insurance is important. For parents of preschoolers, Ohio Social Services and the Health Departments can also provide information about local Head Start programs too.

In addition, local pediatricians can also know information about good child care in Ohio due to the volume of patients they see. It is likely the physician, who has been in the area for any length of time, will be able to make a recommendation. A pediatrician who is familiar the child's temperament will also be able to assist parents in deciding whether the child would be best placed in a group setting or one-on-one care.

How to open a Childcare Center in Ohio

The Department of Education in Ohio has many resources on How to open a Childcare Center in Ohio.

They also license daycare centers for public and charter schools. Ohio regulations focus mainly on the safety and health issues of children in licensed daycare centers.

There are two types of Daycare Center that are approved to do business in Ohio. The first one is Daycare Centers caring for seven or more children.

The second type is Daycare Centers caring caring for school age children from kindergarten and up. These too, are for 7 or more children.

To clarify, there is the Type A Home, which is 7 to 12 children, (or 4 to 12 kids if 4 they are under 2 years of age and cared for in the provider's own home. The provider's own children who are under the age of 6 years of age must be included within the total count mentioned above. Type A homes must be licensed by the Ohio Department of Job and Family Services. Read more at the link below.

The Type B Certified Child Care Provider has 1 to 6 children in the provider's own home. They can watch no more than three children under the age of two. The babysitters own children under six years must be included in the total count. Anyone can operate a Type B Home without a license. However, to care for more than six kids will require a license.

Moreover, they should carry child care insurance, which is the most important part of how to open a childcare center in Ohio. Many parents will request proof of liability coverage.

The Type B Homes must be certified by the individual County's Department of Job & Family Services when the child care is paid for with public funds.

If you are interested in becoming a certified Type B Home, please contact your local County Department of Job & Family Services or visit

Finally, the person must be at least 18 years old to open a Childcare Center in Ohio. They also must have a high school education and carry the proper insurance.

A training program has been approved by Human Services. The Program is for Adults and it requires 5 courses and 3 electives be completed for a total of 160 credit hours.

The trainings are held throughout the state of Ohio in the licensing field office regions. Specific locations and details are outlined on their website, which is listed below. Training dates are updated quarterly and the information taught helps folks know how to open a childcare center in Ohio.


Further information on How to open a Childcare Center in Ohio and to receive your Free Special Report please use the Rush More Information link to the left. For forms, training, and licensing regulations visit the the State of Ohio Website below:


Ohio Department of Job & Family Services
Bureau of Child Care and Development
255 East Main Street, 3rd Floor
Columbus, OH 43215-5222
Phone: 614-466-1043
Fax: 614-466-0164 or 614-728-6803
State of Ohio Website - How to open a Childcare Center in Ohio

Ohio Child Care Center Cleaning Check List

1. Make sure floor mats are cleaned daily with a sanitizing solution.

2. Hardwood and Carpet Floors cleaned daily and sanitized

3. Bedding and sleeping cots cleaned daily and sanitized.

4. All Child care bedding is in good working order. Check weekly

5. All A/C and Furnace filters cleaned weekly

Child Care Center Health and Safety Check List

1. First aid supplies stored properly.

2. Each telephone has the poison control, fire, and emergency medical care numbers posted.

3. Toilet rooms clean, well lit, free from odor, ventilated and in good working order daily.

4. Storage areas are safe, uncluttered, and have the proper clearances.

5. Medications stored properly and out of children's reach

6. Maintain a pest control routine

5. Water source approved and properly maintained.

6. Sewage and wastes disposed correctly and properly maintained.

7. Garbage properly disposed of daily.

Infant and Toddler | Day Care Center | Child Care Center Cleaning

1. All toys are cleaned and sanitized daily and are safe.

2. Toys and craft items are non-toxic

3. Potty chairs are properly cleaned and sanitized.

4. Disposable towels for cleaning and sanitizing.

5. Hand washing sink for the diaper changing area.

6. Health policies approved and posted.

Best and Cheapest Sanitizing Solution for cleaning a Child Care Center

Use a bleach concoction for general cleaning with 1/4 cup unscented bleach for every 1 gallon of water. This is for heavily dirtied areas. Make the solution fresh daily because it loses strength quickly. Discard the unused portion at the end of the day.

Other soiled areas are cleaned using an anti bacterial soap, water, and a rag. Rinse clean with damp rag. After all of the dirt and grime is removed, spray them with the bleach solution to disinfect. Then, wipe again with a clean damp rag and allow the area to air dry.

Scrub toilet bowls everyday with the bleach solution too. Wipe the bowl all the way to the floor. Also, scrub and disinfect the sinks daily. It is a good idea to wipe the bathroom walls with the bleach solution once per week.

Always use gloves and safety glasses when handling bleach.