I am switching ours up, too. Our current one told me I need to drop a child (down to 3) or they won't insure me. I am legally unlicensed and able to have 5. Another one told me 4 kids max and it was $400 more.

I found one that will do up to 6 (which is the max for a home daycare) and provide liability PLUS income coverage. And it's the same price.

So while I hate making all the calls and was upset that I had to switch, it pays to shop around.

Reply