The lady is right in a way if you want all the perks of a commercial policy then you have to get one and pay for it. A ryder only covers the basics and is meant more to keep your home insurance in order should you have a claim since the business also nulifies that. There is some liability etc. included. Not sure what it is that you are looking for that is different. The building and most of the contents except the daycare stuff is already covered.