Originally Posted by TheMisplacedMidwestMom:
State Farm has a limit of 6(including my own), which keeps me to license exempt numbers. Allstate has a limit of 4 (not including my own) which is also license exempt numbers. I either get a "we can't cover you at all with a daycare in the home (licensed or not)" or "once you go over our numbers then we can't cover you". One of the local agencies is who suggested the commercial policy. 
I will tell you this Midwest... DCI and other commercial daycare insurance won't insure you if you are license exempt, I tried; they insure Licensed providers only (I tried 2 years ago). In my case I can't take any more than my 4 regardless of being licensed or not, so State Farm was my only option.