Liability Coverage For Child And Foster Care Businesses

♦INSURANCE.DELAWARE.GOV♦ 1351 W. NORTH ST., SUITE 101, DOVER, DELAWARE 19904-2465 (302) 674-7300 DOVER♦ (302) 259-7554 GEORGETOWN♦ (302) 577-5280 WILMINGTON TRINIDAD NAVARRO COMMISSIONER STATE OF DELAWARE DEPARTMENT OF INSURANCE DOMESTIC AND FOREIGN INSURERS BULLETIN NO. 1 5 6 TO: ALL INSURERS, SURPLUS LINES LICENSEES, CAPTIVE MANAGERS AND INTERESTED PARTIES THAT DELIVER OR ISSUE FOR DELIVERY LIABILITY INSURANCE POLICIES IN THIS STATE RE: LIABILITY COVERAGE FOR CHILD AND FOSTER CARE BUSINESSES DATED: August 19, 2025 Organizations providing childcare and foster care in Delaware and throughout the country have increasingly reported difficulties in accessing liability insurance products, including but not limited to policies being nonrenewed or cancelled, carriers not writing new business, and steep rate hikes. These entities are frequently government-supported, and/or government contractors, and thus have requirements to carry various coverages. As such, the shortage of accessible coverage may affect the availability to provide necessary services to residents and to the State, and it has certainly already impacted organizations’ capacity to accept growth opportunities. The Department wishes to gain greater insight as to product availability and carrier practices as it relates to such policies. Instructions: The Department is seeking information on liability coverages in the State. Please complete the survey attached hereto as Exhibit 1 by September 18, 2025. All survey responses should be submitted electronically to doi-survey-response@delaware.gov. Any questions, comments, or requests for clarification about the survey and submission process should be emailed to doi-survey-response@delaware.gov. This Bulletin shall be effective immediately and shall remain in effect unless withdrawn or superseded by subsequent law, regulation or bulletin. ______________________________________ Trinidad Navarro Delaware Insurance Commissioner Exhibit 1 Delaware Department of Insurance Liability Carriers Survey Date Completed: ___________________________ Insurance Company: ____________________ ___ NAIC# ___________________________________ Toll-Free Consumer Contact Telephone Number: ___________________________ Please indicate all Types of Insurance that your company markets in Delaware. _____Family Child Care Homes (up to 9 children): ______ General Liability ______ Professional Liability (E&O) _____ Business Owner’s Policy (BOP) ______ Umbrella Liability ______Commercial Property ______ Commercial Auto ______ Workers’ Compensation: ______ Abuse and Molestation Liability _____ Large Family Child Care Homes (up to 12 children) ______ General Liability ______ Professional Liability (E&O) _____ Business Owner’s Policy (BOP) ______ Umbrella Liability ______Commercial Property ______ Commercial Auto ______ Workers’ Compensation: ______ Abuse and Molestation Liability _____ Early Care, Education and School-Age Centers (Child Care Centers, Nursery School, Before/After School, non-residential over 13 children) ______ General Liability ______ Professional Liability (E&O) _____ Business Owner’s Policy (BOP) ______ Umbrella Liability ______Commercial Property ______ Commercial Auto ______ Workers’ Compensation: ______ Abuse and Molestation Liability ______ Foster Parent Liability _____ Child Placing Agencies (Adoption and Foster Care Services) ______ General Liability ______ Professional Liability (E&O) ______ Business Owner’s Policy (BOP) ______ Umbrella Liability ______Commercial Property ______ Commercial Auto ______ Workers’ Compensation: ______ Abuse and Molestation Liability: ______ Foster Parent Liability All Other Liability Products Written: ___________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ Captive Liability Products Written: ___________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________ Surplus Lines Liability Products Written: ___________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________