C.H.
S.,
I run a home daycare and I am not licensed. In the State of NJ it is only required if you have 5 or more children. The care giver'e children are not included in the count. When I started the home daycare I weighed getting licensed or not and I found that it did not change the care I gave the kids, I make sure my home is safe for the kids, but I found that the one thing you really have to look for the the extra home owners insurance. My insurance company allows me to add extra coverage in case a child was hurt while in my care. Some insurance companies require the state daycare license to add this. No one wants to wants to think about this, but I like knowing that god forbid a child gets hurt, I am covered. This might be the one thing you look into. As long as you are comfortable with her and her home and family, I would go for it. One more thing to check is whether or not she claims the income on her taxes. If she does not claim it then you can't and it is nice to get that little extra back tax time. good Lukc and let me know if you have any other questions.