I am no help Torontokids ~ this topic comes up over and over again and you will get mixed messages about which ones WILL cover the 5 plus your own.

I admit that I have always been surprised when I hear providers that state the Cooperators covered the 5 PLUS because that is who I am with and I was told the same thing you and that was back in 2007 ... home childcare ryders is for 5 children in the program max and that would have including any child of our own under 10 but fortunately for me my stepson turned 10 the year I started home childcare so it was never an issue.

All you can do is keep seeking to find a carrier that is willing to put on your policy that it covers the 5 children PLUS your own .... and as for the others I just really hope for their sake that it is indeed clearly stated on their policy that the insurance ryder covers 5 daycare children PLUS their own children cause I worry for them that should the 'shit hit the fan' in a claim and there is evidence that 7 children were present or what that the carrier will say that the policy is void because the provider had too many children in attendance

This is the challenge cause while it is 'legal' to have 5 children plus your own the 'regulated industry' is 5 children including your own because they argue that the 'risk' of incident increases with the more children present and well as insurance carriers are concerned about 'risk' they are going to want to follow what is seen as best practice of the regulated industry ... some insurance carriers will not even cover 5 children they follow other provinces rules and do 3 max!