So I heard back form my broker re: commercial insurance. He told me the bad news that no one will insure me without being licensed. He was confused himself as he said even a year a go they weren't this stringent. So back on my search. I am probably going to go with Wawnessa (higher rate but will allow me 5 kids plus my 2. Don't know if I want 7 kids though) or TD (will allow 6 kids total, also cheaper).