The other problem that could be coming up is that there are very few companies that will do the house rider so unless your insurance is with State Farm or Cooperators and I think someone has mentioned Pilot before then that may be where your issues are. Other companies do not insure home daycare and have turned you over to their business department. Allstate will only insure for three.

Yes getting clarification of the fee is important. Not sure the insurance agency can tell you how much you can charge your clients that doesn't seem like any of their business. And I am sure the rate quoted is not per day although for a larger daycare centre maybe it is $6 day per child would be $30 a day. But that is not the kind of insurance you are looking for.