Recap of Article: All Minnesota licensed foster providers are covered under a group liability policy. This article is from a brochure printed by the Minnesota Joint Underwriting Association.
If you are a foster provider in the State of Minnesota licensed by the Department of Human Services, approved by a tribal government or the Department of Corrections, you are automatically covered by the group liability policy. The Minnesota Joint Underwriting Association (MJUA) does not know the names of each foster provider, only that if they fit the above definition, they are considered an insured for the policy.
Basically, anything that you are legally obligated to pay as the result of your activities as a foster provider is covered. This includes but is not limited to:
In case you are accused of injuring someone or damaging something because you are a foster provider, we provide attorney's for your defense -- at our cost. Your obligation is to cooperate with them.
The limits of the coverage are $250,000 per incident and the policy will pay up to $500,000 in one year. These limits are for each foster home.
Basic exclusions to the policy include:
If something should happen that you may be liable for for, it is your duty to notify the MJUA. We would rather know about hundreds of incidents that don't turn into lawsuits than to miss one that does. Please follow the procedures of incident reporting from your agency and include the MJUA on your list of people to notify.
Never be reluctant to give anyone the MJUA name or phone number. We would prefer to talk to people before they get the "bureaucratic run around" and address the problem directly.
We will need a written report of the incident, but would appreciate your phone call as well. If you have a question as to whether something is covered, please call. One phone call can save not only a lot of worry, but may solve a problem before it becomes larger.
If you have a question about the coverage or need to report a claim, please call:
Beth Eulberg, Administrator, MJUA
612-222-0484 Metro
800-552-0013 Out State
Minnesota Joint Underwriting
Association
Pioneer Post Office Box 1760
Saint Paul MN 55101-0760
The law that this is based on is found at https://www.revisor.leg.state.mn.us/bin/getpub.php?pubtype=STAT_CHAP_SEC&year=2007§ion=245.814
This information is in no way meant to expand or limit the coverage of the policy that is discussed. It is simply a brief overview of the coverage and any question regarding the actual coverage of the policy is determined by the actual policy language. This information is presented as a service of Minnesota Foster Care Resources who accepts no liability other than to correct any errors in typing or remove any protected information.