Hi Everyone! I'm new here! I am currently with a licensing agency but they are not very helpful ( a bit of a bait and switch, I'm afraid) so I've been calling around to find out about insurance for my daycare, if I go off on my own, but am running into a lot of walls. I have a letter from the Ministry of Education for the insurance agencies stating that the Ministry's interpretation of the law is five children a day (not total). A lot of the insurance agencies seem to have their own rules though. Has anyone found a good insurance agency in Ontario that will provide insurance for five children per day, not in total? Any help would be lovely. Thank you.