TD Meloche Monnex I have 6 kids including my own and I do field trips with them and they also cover my helper who I pay three mornings a week. It is a rider on my home policy but have heard of some providers getting commerical policies out there as the rider only covers an injury while on your property. I get my parents to sign a waiver in order to do field trips. This way I can stick with the home rider. I feel that I am well covered with them.