Check out co-operators or state farm. They are the only two major companies that still will cover 5 daycare children. I have a rider on my home insurance and it is around $300 a year. Be very careful to get in writing how many are covered. Allstate will only cover 3.
One of the reasons it is so high could be because you needed 5 children covered not the usual 3 allowed with a rider. If that is the case consider switching your policy to one of the first two I mentioned. We are with co-operators for house and auto and have been very satisfied with how we have been treated.
Also there is a difference between business insurance and a rider on your home policy for a home based business. I also pay $50 a year to cover my educational felt I sell and that covers things like if it is lost in a disaster or a person falls coming to pick up an order that sort of thing. Again on my home policy not a separate business policy.
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