It is not required in order to be licensed. It may be required legally by your insurance co. though. I had the same problem, when I enquired about daycare insurance through my homeowner's ,then they required it-even though they themselves wouldn't cover me. I think their logic is, if a child broke an arm, for example, at your house-your homeowner's would be responsible for medical bills, but if you are running a daycare then your risk has just gone up much more than a "regular" homeowner and should not be covered under normal homeowners.
May I ask what insurance you have? We have Farm Bureau.

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