my name is lisa, im from iowa. i have a homedaycare-7years now, church teacher 13 years. in iowa-whenever i do take the kids on a trip or special activities, i know that i have to be or my assistant has to be there or there are issues w/insurance. i have signed waivers by parents each year though that opts me out of responsibility for swimming pools and school age activites that i do not attend. pos that might be an option if that is why she is stating they need a teacher in each room?? i havent come across the issue as a teacher-i know as a rule unless the church has a back ground check they cannot be in a leadership role (in your case since it is a center type they should have active record checks on all employees and volunteers available to you). as far as spreading them out-the ones at most potential risk would be the younger ones so i would let them be of assistance in those rooms/areas and pos have them help w/passing stuff out, getting needed items and clean up where they arent maybe really teaching but helping?? you can check for laws w/department of human services for laws and if you have a local refferal agency for daycares. i would make sure the rules for all involved are met and if they cannot be is it worth loosing assistance to accomodate the 20%? we dont have federal assistance that i know of that we sue for vbs and i have never directed one so as far as being in charge i dont envy you having to face this but i wish you peace of mind and the words you need will come-good luck!! lisa