That`s weird...we were with TD Meloche Mennox until I opened my daycare, but they would not insure us for daycare. They said the insurance only covered things like parents slipping and falling on the walkway etc., not something happening to one of the kids in my care. Make sure you ask exactly what is covered by your insurance! I switched to Wawanesa and they cover 5 daycare kids plus my own. It costs more than TD, but no choice.