One thing to remember about insurance... and I've said this before, just because you've paid the premiums, doesn't mean you are actually covered. If the insurance company has ANY issue with your claim, they can and will deny it. And then there is really nothing you can do. They don't have to pay out on claims.

If the other providers are paying private insurance to be covered for a couple of kids, but telling the insurance company that they only have those 2 kids, and not a couple more, insured by the agency, then the private insurance company will consider that a fraud on them and not pay out a claim. So, in that case, they are not actually covered, but still paying premiums for the illusion of being covered.

I'll give you an example, if you got the insurance 5 years ago, and at the time, your daycare kids were all over 2yrs old, and you mentioned this in passing to the agent, they could write it down on your policy. And then, five years later, you have an infant in your daycare and then make a claim. They could come back at you saying that you said you didn't have infants and that you made a false statement when you originally set up the policy. I know this is a completely ridiculous example, but it happens. All the time.