That sounds abvout right Gramma - 5 kids total and since you don't have any of your own that isn't an issue.

TD Waterhouse offers 6 kids including your own

The thing about your own kids being included is crazy. I even told the agents that my kids are only here approx 2 hours out of the daycare time since they go to school but they would still count.

The way the daycare providers' own kids factor in is that they feel like a provider cannot comfortably care for more than X number of children and be able to do so safely. It is ridiculous because the policies offered should match the legal limit of what we are allowed to have. It is annoying that the government allows us 5 kids + our own but the insurance can't be the same allowable numbers.

I guess they consider home daycares to be too risky to ensure with 5 kids + your own