I have been shopping around as my current carrier will only cover me for 5 kids total (3+ my 2). The 2 best options I have are a regular insurance company (TD Meloche Monnex) that will cover me for 4+2 or going the commercial insurance route with my current carrier. The commercial route means about $750 more per yr but it would cover me for 5+2 and the coverage is better then your standard childcare ryder and will also cover me if I was to hire someone or have a volunteer. Thoughts? It works out to be $60 extra per month.
I know others have a standard ryder for 5+2, I cannot get anyone to cover me for that in Toronto. Even companies recommended in these threads. I have a clean insurance record, no claims.