I suspect $4,000 is commercial insurance, like for a day care facility. I'll bet they didn't understand it's an inhome day care with a max # of children.
I am also with Wawanesa and it's additional to house insurance but it limits to 4 and does not allow more in this Province. I have 5 children but manage because 2 never here at same time. I have not found insurance to cover all 5 we provincially allowed, even if that was/wasn't including own which is non-issue for me.



































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