Ontario 5 children insurance

[Trace of Angels]

I guess that would be a question to ask them. Accidents do happen :-) for sure. I think the chances of that happening (falling off couch and breaking neck) would be pretty slim but for sure a great question. If after they answer you still feel nervous then I would go for commercial daycare insurance, costs a lot more but you get covered for a lot more but I would ask them that same question too.........more expensive doesn't always mean better.
I just think when was the last time you heard of parents "suing" a daycare provider in Canada. We are not a "suing" crazy country......maybe it's happened a few times but the chances are pretty slim.
But again you have to feel comfortable with the coverage you have. I know daycare providers (quite a few actually) that don't have any insurance as they think it's a huge waste of money. They never want to pay out and when and if they do your premium skyrockets!!!!! I guess just like car insurance.......