XINSURANCE: fostering true peace of mind by protecting the heart of foster care.
Your commitment is to the child. Ours is to you. Let us be your steadfast partner, providing liability insurance solutions to foster parents and care providers across the nation.
What is Foster Care Insurance?
Foster care liability insurance is an important safeguard for those invaluable individuals and organizations dedicated to the welfare of children in need of a nurturing temporary home. When you open your heart and your home, you’re also exposing yourself to potential liabilities, and this is where having the right level of protection becomes essential. As a foster parent or a foster care provider, the unpredictable nature of caring for children from varied backgrounds means that challenges can arise unexpectedly. This type of insurance is crucial because it helps protect you from various liability claims that could arise during your tenure as a caregiver.
At XINSURANCE, we understand the unique risks and responsibilities that come with foster care. The importance of foster care liability insurance cannot be overstated—it’s not just about having financial protection; it’s about having the confidence and freedom to focus on providing the best possible care to the children who depend on you without the looming concerns of potential legal issues. It’s for those moments that cannot be predicted that XINSURANCE stands as your steadfast ally, offering specialty insurance solutions to ensure that you, your family, and the children in your care have support when it’s most needed.
Foster Care Insurance: Who We Can Help
Foster care insurance should be considered by a wide range of individuals and entities involved in the foster care system, including:
- Foster Parents
- Foster Family Agencies
- Group Homes
- Therapeutic Foster Homes
- Respite Care Providers
- Kinship Caregivers
- Adoption Agencies
- Child Placement Agencies
- And More!
Foster Care Insurance Coverage Options
General Liability
Provides coverage for injuries and property damage sustained by third parties.
Incidental Medical Malpractice
Can provide coverage for the foster care provider in case of failure to provide necessary medical care, therapeutic interventions, dietary needs, or other specialized requirements of foster children.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Professional Liability
Also known as errors and omissions insurance, this can provide coverage for negligent acts, errors, or omissions committed while providing foster care services. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Foster Care Liability Insurance
How much does foster care insurance cost?
The cost of foster care liability insurance varies widely depending on several factors, including the size of the operation, the number of children cared for, the specific services offered, previous claims history, the coverage limits selected, and more. Please contact us and tell us more about your insurance needs so we can provide a personalized quote.
Is there a difference between foster care liability insurance for agencies and foster parents?
Yes, while there are similarities in the types of coverage required, foster care agencies might need more comprehensive policies due to the broader range of services they provide. On the other hand, individual foster parents might focus on more specific coverage that reflects the day-to-day risks they face.
Why should I have foster care insurance?
You need foster care insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having foster care liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.
Claims of misconduct and child abuse can rack up thousands of dollars in attorney fees and, even if they are unsubstantiated, will have lasting negative effects. With foster care liability insurance, you’ll have a plan in place that will relieve anxiety and offer peace of mind so that you can focus on providing quality care for the children in your life.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if your insurance company has declined, canceled, or non-renewed you. We step in to provide an insurance solution when others can’t or won’t.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Animal Liability
Animal liability insurance protects you in the event of damages or injuries caused by your dog or other pet that you own. We can help even if your dog is deemed a dangerous breed or has a bite history.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
