It's not about suing ourselves but about the perceived best practice in the field set by the regulated field in certain jurastictions combined with insurance statistical analysis thag the more children in attendance the more perceived "risk" for the insurer having to pay out due to an accident/injury occurring ... so insurance companies choose how many children can be attendance on the policy and it varies by where the carriers home base is cause across Canada the rules are so different - regardless if they are your own so to speak!

I would definitely ensure that your Ryder clearly states in writing 5 children PLUS providers own verses just relying on a verbal your fine ... I know providers who thougf they had coverage and than found out they did not ... if you need to make a claim they WILL look for reasons not to pay out and if the policy states coverage for 5 children with no mention of your own and any incident report from EMS states 6 or more kids that can make them have cause to say your policy was void due to more than 5 kids being present ... there is clear evidence in media and people you talk to who that the industry is built on deny deny deny Best defence is an iron clad clearly written policy!!!