Where are you located babydom? In Ontario, there are no insurance companies that offer a daycare ryder above 5 daycare children because they would be endorsing illegal daycare operations. Maybe 5 plus your own would up the number of children covered, but not daycare children. I fear you have been misinformed...do you have something in writing that explicitly says you are covered for 6 daycare children? What is the insurance company you use?