yes i got additional insurance as well, increased liability and ensured proper coverage to regularly take kids in the van with me..otherwise it wouldnt be valid and they wouldnt cover me for not disclosing. I used to have business insurance , then I had to get permission from my company when the laws changed last year they stopped this kind of coverage...state farm doesn not cover daycare vehicles but do the house insurance for daycare up to 6 kids to cover an 11 year old...and again if you exceed that number of kids your house insurance is nill and void for exceeding the limit...thats the max I have found a house insurance co to cover for. Cumis is comparible. where do others have their insurance?