Ya I am not sure exactly how insurance would help ~ allegations of this sort would be 'criminal' in nature unless of course they tried to 'sue' you in civil court for pain and suffering of some sort than you might be able to use your business liability insurance?

To be honest even after 25 years in the business you learn to reflect on something new everyday ... I have never thought to see if my home childcare ryder / insurance specifically covers me for this because it honestly never occurred to me of being accused of such a thing

Adding it to the list of things to ask how an accusation like that would be handled in a civil suit?