Not suitable for under 3's
So it's just me and dd today as mindee is poorly so I'm playing the dangerous game of adding to my resources wish list (which is already extensive!) and am getting really frustrated that there is so little that is allegedly suitable for under 3's...gggrrr! All of my mindees are under 3, most under 2 and if I stick to the guidelines I can't get half of the things that I would like to and they would really benefit from. Lots of them saying not suitable due to small parts/choking hazard etc but I can't see that there are even any small parts on half of them!
So my question is surely I'm ok to get '3+' toys as long as the children are supervised? I'm guessing the only issue would be insurance if something happened and a child was actually playing with a toy that they shouldn't be according to the manufacturers instructions. Ringing my insurance company seems a bit over the top but I'm thinking I could so with some clarification!
How does everyone else deal with this or am I just over thinking it?!