It depends what you are asking for and what the broker understands. There is always an issue of what the word "business" means in the sense that home insurance is different than business insurance. You are not a daycare centre and sometimes they interpret it as that. I would just keep calling their call centre for info knowing you will likely get a different person each time. When you get the answer you like, get the name of the person giving that info and then approach your local branch with the info.

I just find it hard that they can turn around and say they won't cover what is legally allowed in Ontario and be able to get away with it.