I insured my son's CRF110 last year with TD insurance. It's under my name, they never asked who was riding it. They automatically put the OCPF 32 thing on it, which I presume covers me. Either way, I have pink slip to show if I ever get stopped, which we did last summer. at Limerick.
The kicker is that the insurance costs $230 per year, which is what I pay for my DRZ400 street-legal bike (also insured with TD) and more than double what I pay for insurance on my dirt-only KTM 200. It's ridiculous, but what other option do I have? I did not want to go another year of not having insurance and hoping to not get stopped.
The whole issue of insurance for dirt bikes for kids is super frustrating, and beyond comprehension. According to the OFTR, there have been no claims in Ontario for kids on dirt bikes in many, many years, so I'm really not sure what the hesitation is.