Here's the difference.
Your insurance is valid at a public venue. It is not at a private home where there are more than 5 dcks - why? Because more than 5 dcks in a private home becomes an illegal non-licenced centre. Daycare centres are licensed to have higher ratios. It is the building, not the providers that count.
I personally agree with this rule. I have seen too many groups of providers standing around drinking coffee and chit-chatting while the children run around relatively unsupervised. I understand that not every provider does this, but enough do that it's created a serious threat to our children's safety.

































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