What do I do about Insurance for a Microschool, Co-op, Hybrid? with Meagan Duncan

In this candid conversation, Tiffany sits down with Meagan to unpack the realities of insurance for homeschool programs and microschools. They discuss the important differences between operating as a childcare facility versus an educational program, and why every owner/operator must understand their state regulations before launching. The episode also explores the growing shift toward smaller learning environments—and how these models not only support children more effectively but strengthen families and local communities as well.

In This Episode, We Discuss:

• The difference between operating as a childcare facility vs. an educational program

• Why checking your state regulations is critical before opening

• Common insurance misunderstandings among homeschool and microschool founders

• The types of coverage programs may need to protect families and staff

• How proper structure builds credibility and parent trust

• The risks of operating without clarity on legal classification

• Why smaller learning environments benefit children academically and emotionally

• How micro-environments strengthen local communities

• The opportunity for homeschool programs to operate responsibly and sustainably

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