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OIC Study: JUA Could Address Availability for Some Child‑Care Providers but Not High Historic Claim Costs

Consumer Protection and Business Committee · January 23, 2026
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

A rapid OIC feasibility study found a Joint Underwriting Association could improve availability for some childcare providers, but historic sexual‑assault claims drive unsustainable claim costs for group foster homes and child‑placing agencies; staff suggested short‑ and long‑term policy options including safe harbors and a victims fund.

Office of the Insurance Commissioner senior policy advisor David Fort briefed the committee on a December feasibility study that evaluated whether a Joint Underwriting Association (JUA) could address insurance availability problems for child‑care related services.

Fort said a JUA — a legislatively created nonprofit insurer of last resort — can address availability but cannot by itself absorb long‑tail, high‑cost claims. The…

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