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State funding clears way for study of rising childcare liability costs as providers report cancelled policies
Summary
DCYF and the Office of the Insurance Commissioner said they will pursue a study of liability insurance availability and cost after providers reported cancelled or unaffordable policies. The legislature included $350,000 in the enacted budget for a study; an RFP is open and the study is due this fall.
The Department of Children, Youth, and Families and the state Office of the Insurance Commissioner will support an independent study into childcare liability insurance after providers around Washington reported rising premiums and some policies becoming unavailable.
The study was funded in the 2025 budget with a $350,000 proviso to the Office of the Insurance Commissioner (OIC). OIC issued a request for proposals to hire a contractor; the office expects to select a bidder quickly and asked the contractor to deliver a report by November so legislators and state agencies can consider options in the next legislative cycle.
Why it matters: childcare providers and family homes told DCYF staff that some insurers have canceled coverage after reading inspection reports on the public childcare-check website or that policies were being quoted at premiums providers said they could not afford. Without affordable liability coverage, some providers reported they…
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