I JUST went through this. Its a pain. I have 1 baby of my own so after the new law comes into effect in January I will be able to have 4 day care kids. Currently I can have 5 day care kids by law.
My insurance only covers a maximum of 5 kids including my own. So 4 day care kids. I also asked why my own kids would be taken into account because I would not sue myself for costs of an injury. They said it didn't matter.
I'm in northern Ontario so our choices are limited unfortunately!