Adult family home liability market study work group

The Washington state Legislature has asked the Insurance Commissioner to convene a working group to look at the difficulties Adult Family Home operators are facing finding affordable insurance. The working group will:

• Review the availability and cost of liability insurance for adult family homes;
• Identify obstacles to adult family homes access to liability insurance including underwriting restrictions, market conditions, as well as legal and regulatory requirements;
• Evaluate the financial risk to adult family homes, their residents, the state Medicaid program, and others that exist as a result of the increased cost of insurance, or in the event adult family homes are uninsured due to a lack of access to coverage; and 
• Make policy recommendations to improve access to liability insurance coverage for adult family homes.
• A preliminary report is due by December 31, 2024, and a final report due by June 30, 2025.

Work group meeting agenda, materials, and recordings

• There are no meetings currently scheduled. Please check back for updates on future meetings.

Aug. 28, Sept. 25, and Oct. 23 meetings

• The August, September, and October work group meetings are canceled to allow for 1:1 interviews and data collection.

July 24 meeting

• July 24, 2024 meeting agenda (PDF, 217.59 KB)

• July 24 meeting recording
• July 24, Liability and property presentation (PowerPoint, 6.14 MB)
• July 24, Surplus line association of Washington presentation (PowerPoint, 23.71 MB)
• July 24, Office of the insurance commissioner, David Forte presentation (PowerPoint, 1.70 MB)

June 26 meeting

• June 26, 2024 meeting agenda (PDF, 193.03 KB)

• June 26 meeting recording

• Adult family home liability insurance history June 26 presentation (PDF, 2.83 MB)
• DSHS, department of social and health services, June 26 presentation (PDF, 2.06 MB)

Work group members