$500 annually for 5MIL liability sounds like a good deal to me. Those who pay less may very well have less coverage. A minimum of 1MIL per child in care is advisable. 1 or 2 MIL between a group of 5 or 6 isn't going to go very far should the worst happen to your group and all families sue!
If you are having problems with housing and insurance, this tip https://augustafreepress.com/all-you...ance-twisting/ may help. It is known that most people have trouble with insurance companies when it comes to insurance twisting.
Always ensure that your child receives quality care by taking the time to investigate the provider and by asking for references! We simply cannot verify the claims of every daycare provider.
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