What do you all have for daycare insurance to cover you & your assets incase a parent would sue you?

Right now we have Liability $300,000 through Allstate & we are paying $40 a year. Well we just found out they only cover for up to 4 daycare children not including my own. So basically right now if something happened to a child they could deny me coverage because I am allowed 6 children.

My husband & I are looking into actual daycare business insurance where you are insured for more children for a $1,000,000 policy. Allstate will charge us $750 a yr...$62 a month. Do any of you have a policy like this?

Any opinions/advice would be great. Thank you!

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