You highlight a great point Reggio. I have had insurance brokers try to put my application through as commercial in the past as they just werent listening to what I said. I am interested to know how much liability per child you have coverage wise. If there are 5 kids in a minivan and there was a nasty accident you would most definitly be requiring 1 mil per person. My regular insurance coverage is 2 mil for the total passengers in the car which is still more than the 1mil average on most policies and I do not have a daycare vehicle anymore so it isn't an issue now but was just curious about the particulars of the daycare ryder coverage.