Operating Our Own AFH

My husband and I have been operating an Adult Family Home for over three years now. Last month, the County did our re-certification. It was a lady on-the-job training who came to re-certify us.  As we expected, she was by-the-book. Good thing she was very nice about everything though. 

One of the major preparations that we had to do was to make sure all our insurances are up-to-date. We have to have so much liability insurance per rule. We shopped around quite a bit but could not find any insurance company that would give us that much coverage under our category. There was nothing we can do. The County finally agreed to what we got. This is an issue that has been encountered by other AFH operators, as well. We are also required to have our vehicles insured with a coverage that the County has set for us. This is very important. Otherwise, we would not be allowed to transport our clients in our vehicles. With that said, we shopped for a company that has cheap auto insurance plans and yet gives good coverage. I would like to think that we got a very good plan right now. If something better comes up, we will just have to switch. I am not sure though how easy that would be. Hubby would know better. He is really good at stuff like this. 

These are just some birds-eye view of what it takes to operate your own AFH. It isn't always a bed of roses, but fulfilling in some ways.