when u call your insurance you have to be clear. Clear that u just want an additional home childcare 'ryder' put on your vehicle and not offering the service of 'transportation for purpose of business' with the van. The bigger quote is if your using the van to transport kids solely for business. Like the before and after school programs that drive kids around. Ur van is solely for personal use but u sometimes want to use if for up to five kids that aren't your own so U just want to add the Ryder on ur car which is like 20$ extra a mth.