NATIONAL REPORT – Insuring Care: How Liability Insurance Access Threatens Community Services for Children | Association of Children's Residential & Community Services (ACRC)

NATIONAL REPORT – Insuring Care: How Liability Insurance Access Threatens Community Services for Children

The Trajectory is Unsustainable

“In 33 years of practice, we have not had a claim or loss. We also have an outstanding record with our state licensure agency…We were facing a 500% increase in our premiums this year…Our broker has warned us that next year’s renewal process might be even worse…These issues may force us to close our doors.” -Child welfare services provider

Various kinds of insurance are costing more for individuals and organizations across sectors, but child welfare providers across the United States are facing urgent challenges accessing adequate and affordable liability insurance, putting the availability of the continuum of child and family services and supports at risk. The National Organization of State Associations for Children (NOSAC) and the Association of Children’s Residential & Community Services (ACRC), in partnership with multiple state associations and national partners, recently completed a survey to better understand the size and scope of the problem nationwide and the disruption that this challenge presents to effective public-private partnerships that support child and family well-being.

The report shares initial findings from a survey of 327 organizations across 46 states revealing that:

insurance challenges will impact the availability of a diverse array of child welfare-related services, including family preservation services, family foster care, kinship homes, respite care, counseling services, and more;
providers across the country are paying higher premiums for lesser coverage–or are unable to obtain coverage at all;
longstanding, high-quality providers with no claims against them are being impacted because the insurance marketplace is changing;
there is a collective call for partnership, legislative reform, shared risk models, and solutions to ensure that needed services remain available in our communities.

Access the two-page Report Executive Summary HERE, and download the complete Survey Report below.

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07-30-2025 Webinar Recording

07-30-2025 Webinar Slide Deck

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Child Welfare Liability Insurance Working Group

We are taking collective and coordinated federal action to address the urgent challenge in liability coverage for community-based organizations that are critical partners in serving children and families involved, or at risk of involvement, in the child welfare system. If you would like to join this effort, please complete this brief form regarding your interest and capacity to work on this issue as part of a federal working group focused on: