Oh and do you know what else really blows my mind and makes me scratch my head?

I am now insured basically for only 3 dck under my policy since they are counting my two kids as liability kids for a total of 5.

But which 3 of my DCKs are they covering?

And they won't let me cancel off the insurance on the daycare because they said it is mandatory to have it when they know a daycare is operating out of the home but yet they can't give me the coverage I need.

I wish at this point I could cancel it and save my $100 of daycare insurance a year. It is useless anyhow