This pamphlet provides information to family day care providers on the need to have adequate liability insurance to cover the unique risks faced by care providers. It discusses the reasons for carrying liability insurance, including protection from lawsuits and medical claims by the parents of injured children. The pamphlet then explains what to look for when considering a specific policy or insurer, such as who is covered, what is covered, exceptions, and deductibles. It also explains the difference between occurrence policies, which cover incidents that occur during the term of the policy, and claims made policies, which only cover claims reported during the term of the policy. The pamphlet presents alternatives to stand-alone liability policies, including self-insurance and riders to homeowner policies. It concludes by offering tips on finding affordable family child care liability insurance, providing the names, addresses, and telephone numbers of four insurers. (MDM)