If you have a child in daycare please make sure to check with your daycare provider on whether or not they have the proper liability insurance! Liability insurance in not a licensing requirement in Missouri!!! But, as you can imagine, very important when someone gets hurt - or worse.
If you run a daycare, please be responsible and call your insurance agent and discuss the best way to protect yourself and the children you watch.
View this PDF Child Daycare Associations for more info.