Abstract
Liability insurance protects the assets of a family day care provider and her family from claims of responsibility for a child's injury or death. Providers who operate without insurance could face devastating financial losses. This article examines the liability insurance market, family day care providers' perceptions of the market, and state regulatory attempts at market intervention. It concludes that insurance coverage is available to providers although many may have difficulty meeting underwriting requirements and some may find the premiums for commercial insurance unaffordable. Providers report that affordability is a much greater problem than availability. States have done relatively little to facilitate either availability or affordability. The article concludes by identifying future opportunities for cooperation between the child care and insurance industries.
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Cude, B.J. Liability insurance and family day care providers: Three views of the issues. Child Youth Care Forum 23, 377–392 (1994). https://doi.org/10.1007/BF02128521
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DOI: https://doi.org/10.1007/BF02128521