Insurance help needed - opening daycare in someone else's home

[kindertime]

I am in Toronto, will have a maximum of 5 kids between the ages of 2.5 and 6. 2 of those kids live in that house.

The kids live in the house, so I would assume the parents do too. Now, why would anybody take on this kind of arrangement, I have no idea. It sounds like a disaster waiting to happen, but I'm a bit of a pessimist. Seems like a quick way to end a friendship... good luck.