For a daycare that transports children, the vehicle can become one of the business's most significant liability exposures. Whether staff members drive children to school, extracurricular activities, field trips, or other approved destinations, using a vehicle for business purposes creates risks that may not be adequately addressed by a personal auto policy. So, do daycares need commercial auto insurance? The answer depends on how vehicles are owned, who drives them, and how they are used. California daycare owners should look beyond simply having auto insurance and determine whether their policy properly reflects the business use of the vehicle and the responsibility involved in transporting children. more details here