Just to further add to the mix, if I understand everything correctly, the government in 2 years is going to require that all at-home daycare providers be licensed by the state. Does that/will that then change the way the daycare is looked at? In the end the answer still appears to be that if you own it you can carry or if you are permitted by the owner you can carry.
Hum.. not sure. Need to find the definition of what a school is in Indiana Code. Can't find it right now. But suspect that your question depends on how they word the law.