Hello and welcome! Here is a really great link to answer any tax questions you may have...http://www.cra-arc.gc.ca/tx/bsnss/tp.../menu-eng.html
I am not licensed, so can't answer to how licensing is helpful in terms of resources, sorry.
Re: Insurance...My understanding is that although you are wise to have both daycare related home insurance & auto (if you plan to transport little ones), it is not actually a requirement.
As for unpaid or paid sick time, your contract is yours...you decide on what dys you wish to be compensated for (vacation, sick, stat. Etc.)...I am assuming that you still have your own contract if licensed? Perhaps others can answer to that? I too am just outside of Ottawa (about an hour), if I can be of further assistance let me know