What also made me think about it is that today, dcm mentioned that 8 month old dcb has red and sore looking genitals that she and hubby noticed last night. She wasn't accusing me at all, just asking me to apply cream at diaper changes but the thought occurred to me that if she really wanted to screw me over or if she got really paranoid, she could think I did something and I don't even have other kids here as any sort of witness. So I actually did write that down today. And I guess by insurance protection, I mean paying for legal costs if I'm proven innocent (because that wouldn't be right if a provider actually did abuse a child and was "insured" against it).