I was referred to this insurance place that handle daycare insurance. My previous premium was kind of high a little bit over $978 it is now only $500 / year and i also got the Accidental medical plan to cover everyone including myself and my helpers, for like $200 for the liability The insurance is called KIDS. They have a website called
www.insurance4daycare.com
The site is real cute and I did mostly everything myself, though I received a call from one of the gals to confirm my order and to go over my coverage. Try it