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daycarediva 03:34 AM 06-19-2013
I am also in NY and my insurance agent just dropped the business liability (and almost my homeowner's, had a certain time frame to get separate insurance) so I would call and ask IF you got separate liability insurance would they still cover the house, and then go from there.

I went with https://assurechildcare.hayscompanies.com/

If not, I would call a TON of agents to get quotes on both coverages. Good luck!!!
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