I once had a parent ask me the insurance question too. Not only did she want to know if I had insurance, she wanted to see the policy. I did show it to her to prove that I wasn't lying. But she very much came across as the very controlling type. She e-mailed me follow up questions asking specific questions about the Daycare Nursery Act, section XYZ...

I knew then that I didn't want to sign her. It definitely wouldn't have been a good fit.