So I am in Alaska, which if I go licensed is up to 8 kids in home care. I can do up to 4 not including my own and be legally exempt. So far the ones that I've found to cover both are State Farm (limit 6 including your own) and AllState (limit 4 not including your own). I have 2 of my own, so it sounds like with insurance I'm going to be tied to the legally exempt ratio no matter what. And if neither insurance company cares that I'm licensed as long I'm following the law, and I can't watch more kiddos if I'm licensed, why bend over backwards to do it?
I just feel like I'm missing something here.