I definitely have insurance for the house (just went through a hassle and had to change companies for THAT one) but I don't have it for my vehicle. I try to walk when I can but I also had all of the parents sign an off property permission form which includes transportation by van. I'm not sure how that would actually stand up in court but at least the parents can't claim ignorance! LOL. Sassygirl, you're not too far from me- I'm in the Durham region as well! Maybe if you're worried just call a few different companies but don't tell them that you actually run a daycare presently- tell them that you're only looking at possibilities.