I just spoke to The Cooperators and in Ontario they will only cover up to 4 children plus your own on a home insurance daycare ryder and they will not insure you if there is a pool onsite. They will not cover 5 children under any circumstances and would refer the person enquiring to the commercial insurance dept. I am however under the impression that we do not qualify, at least in ON, for commercial insurance as our business' are not licensed or registered as we are sole proprietors.