As a foster parent, it is important that you understand your rights and responsibilities regarding insurance. FPSS Society is distributing information that will help you understand these rights and responsibilities. Please note that the BC Federation of Foster Parent Associations (BCFFPA) manages the Insurance Rider.
All Family Care Homes must have household insurance; it is a requirement of their agreement with the ministry. The BCFFPA is funded to provide two types of home insurance coverage for foster families:
One policy automatically provides all foster parents with third-party liability insurance related to carrying out their foster care responsibilities. (Third-party liability insurance covers you if someone else makes a claim against you for unintentional bodily injury or property damage.) This insurance provides coverage regardless of what your own home insurance provides.
The other policy is a rider to your own home insurance, administered by the BCFFPA for all foster homes in the province. It extends your coverage to include theft of or damage to your property caused by a child in care. If such damage or theft occurs, the deductible on the policy may be reimbursed. If you don’t already have household insurance, you should discuss this with your resource social worker. For details on the two types of insurance coverage offered by the BCFFPA for all approved foster parents contact the BCFFPA, or consult the links below for more detailed information: