My insurance company sent an assessor last week about my daycare. I certainly did not get the impression I had a choice about letting them do it. If I hadn't agreed, I'm sure my insurance company would have cancelled my policy. They gave me a rider for $50 per child per year. I haven't heard whether anything the assessor put in her report will cause a problem. I know initially, my insurance company told me I could not use my business name and had to accept cheques in my own name. That was frustrating since my receipts are issued in my business name, and I had to tell parents that they could no longer write cheques to my business. They told me only a registered ECE could operate a home daycare...yes, I told them I was not a licensed daycare, but they said that didn't matter. Idiots...