I think our provincial rules are the biggest difference. We are not supposed to take sick children. Our provincial rules are based on the child's ability to fully participate with the daily program which mandates outside time. Our insurance is based on what's legal in our province in terms of number of children coverage will permit and also on the firm restriction of no over the counter meds.

We MUST have written history of doseage - that avoids Mom giving it, Dad dropped off and being unsure if child has had it and care provider giving a dose (or missing a dose) due to that uncertainty.

Any situation where there's more than one person giving medication is a higher risk of over dosing or missing doses so the written statement of when meds have been given and amount, eliminates the risk.

It might be that our insurance regulations are stricter because all day homes, agency or not, pay for their own cover and there's no insurance gain from being with an agency here. The liability is wholly the providers.