Quote Originally Posted by kindredspirit View Post
All companies I contacted would allow our province's maximum (6 including your own, no more than 2 under 18mo). I have 2 kids though, so only 4 dcks.
That must make things so much easier having universal policies. In addition it is in my experience, and I've heard from other providers too that agents don't always know what they are talking about when it comes to the specifics of the daycare insurance. I requested a copy of the underwritten policy to be 100% certain. When I was first setting up my daycare and was calling around for quotes I went into my home insurance State Farm brokers office to set up a policy after being told 5 kids plus own over the phone. When I was there, there were two people who absolutely swore to me that it was 4 including own. I had to insist that they show it me in writing and they got their policy book out for me and it did in fact turn out to be 5 plus own. Hence my apprehension taking an agents word for it on its own. Sometimes one is so convinced that something is a certain way because it makes the most sense, but it doesn't always mean it is so. For example in another thread someone asked if we have to have insurance in Ontario, and a member said that yes we must. Well it is not mandatory to have it, although it makes sense to think we should have it, because it is the responsible thing to do.