An Act To Ensure Adequate Insurance Coverage for Family Child Care Providers
Maine Legislature, Session 124, LD 0896
Sponsors: GOODE, BOWMAN, BERRY, LEGG, MORRISON, PRIEST, ROTUNDO, STRANG BURGESS, VAN WIE, ALFOND

FIRST REGULAR SESSIOt~-2009 
Legislative Document 
No. 896 
H.P.614 
House of Representatives, March 5,2009 
An Act To Ensure Adequate Insurance Coverage for Family Child 
Care Providers 
Reference to the Committee on Insurance and Financial Se0'ices suggested and ordered 
printed. 
Presented by Representative GOODE of Bangor. . 
Cosponsored by Senator BOWMAN of York and 
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MILLICENT M. MacFARLAND 
Clerk 
Representatives: BERRY of Bowdoinham, LEGG of Kennebunk, MORRISON of South 
Portland, PRIEST of Bnmswick, ROTUNDO of Lewiston, STRANG BURGESS of 
Cumberland, VAN WIE of New Gloucester, Senator: ALFOND of Cumberland. 
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Printed on recycled paper 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1. 24-A MRS A §3060 is enacted to read: 
§3060. Insurance coverage for family child care providers 
1. Proof of liability insurance. An insurer authorized to transact business in this 
State may not cancel or refuse to issue or renew a property insurance policy covering the 
dwelling of a family child care provider certified under Title 22, section 8301-A, 
subsection 3 if the family child care provider demonstrates satisfactory evidence of 
separate insurance coverage for business liability. 
2. No liability for losses under property insurance policy. An insurer authorized 
to transact business in this State is not liable under a property insurance policy issued to a 
family child care provider certified under Title 22, section 8301-A, subsection 3 for any 
loss or damage arising from the operation of the family child care provider's business 
unless that loss or damage is specifically covered under the property insurance policy or 
under a separate rider attached to the policy for business liability coverage. 
3. No restriction based on number of children in family child care. An insurer 
authorized to transact business in this State that provides a rider to a property insurance 
policy to cover business liability for a family child care provider may not restrict 
coverage under that rider based on the number of children cared for in the dwelling 
except as provided in the family child care provider certification issued pursuant to Title 
22, section 830 I-A, subsection 3 and rules adopted by the Department of Health and 
Human Services. 
SUMMARY 
This bill makes it clear that insurers issuing homeowner's insurance policies are not 
liable under those policies for losses or damages arising out of the services provided by 
certified family child care providers in an insured's home unless coverage is specifically 
provided under the policy or a rider providing business liability coverage is attached to 
the policy. The bill prohibits an insurer from refusing to issue, renew or cancel apolicy if 
the insured can demonstrate satisfactory evidence of liability insurance coverage for the 
operations of the family child care. The bill also prohibits insurers from restricting 
coverage under any rider for a family ohild care provider based on the number of children 
cared for in the home except as provided in the family child care provider's certification. 
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