House File 2434 - Introduced



                                       HOUSE FILE       
                                       BY  HOGG


    Passed House,  Date               Passed Senate, Date             
    Vote:  Ayes        Nays           Vote:  Ayes        Nays         
                 Approved                            

                                      A BILL FOR

  1 An Act relating to insurance coverage for certain child care
  2    providers and providing an applicability date.
  3 BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA:
  4 TLSB 5305HH 81
  5 av/je/5

PAG LIN



  1  1    Section 1.  NEW SECTION.  515.110A  HOMEOWNERS INSURANCE ==
  1  2 CHILD CARE ENDORSEMENT.
  1  3    1.  DEFINITIONS.  As used in this section, unless the
  1  4 context otherwise requires:
  1  5    a.  "Child care" means the same as defined in section
  1  6 237A.1.
  1  7    b.  "Child care home" means a person or program providing
  1  8 child care to five or fewer children at any one time that
  1  9 registers to provide child care as a child development home
  1 10 under section 237A.3.
  1 11    c.  "Child development home" means a person or program
  1 12 registered under section 237A.3A that may provide child care
  1 13 to six or more children at any one time.
  1 14    d.  "Homeowners insurance" means a policy consisting of a
  1 15 combination of property insurance and casualty insurance that
  1 16 provides coverage for the risks of owning or renting a private
  1 17 home.
  1 18    2.  An insurance company offering homeowners insurance in
  1 19 this state shall also offer coverage for losses arising out of
  1 20 or in connection with child care provided in a private home by
  1 21 a registered child care home or child development home.  This
  1 22 requirement may be met by offering a separate policy or
  1 23 endorsement for which premiums are assessed and paid.
  1 24    3.  An insurance company offering homeowners insurance in
  1 25 this state shall not cancel or refuse to issue or renew a
  1 26 policy of homeowners insurance on a private home solely on the
  1 27 basis that the applicant or policyholder provides child care
  1 28 if the applicant or policyholder is a registered child care
  1 29 home or child development home.
  1 30    Sec. 2.  APPLICABILITY.  This Act applies to homeowners
  1 31 insurance policies delivered, issued for delivery, continued,
  1 32 or renewed in this state on or after July 1, 2006.
  1 33                           EXPLANATION
  1 34    This bill requires insurance companies doing business in
  1 35 this state that issue homeowners insurance policies to offer
  2  1 coverage for losses arising out of or in connection with child
  2  2 care provided in a private home that is a registered child
  2  3 care home or child development home.  The requirement may be
  2  4 met by offering a separate policy or endorsement for which
  2  5 premiums are assessed and paid.
  2  6    The bill also prohibits such insurers from canceling or
  2  7 refusing to issue or renew homeowners insurance on a private
  2  8 home solely on the basis that the applicant or policyholder
  2  9 provides child care if the applicant or policyholder is a
  2 10 registered child care home or child development home.
  2 11    Under the bill, a child development home is a person or
  2 12 program registered under Code section 237.3A that may provide
  2 13 child care to six or more children at any one time.  A child
  2 14 care home is a person or program that provides child care to
  2 15 five or fewer children and registers pursuant to Code section
  2 16 237.3A as a child development home.
  2 17    The bill is applicable to homeowners policies issued,
  2 18 issued for delivery, continued, or renewed in this state on or
  2 19 after July 1, 2006.
  2 20 LSB 5305HH 81
  2 21 av:rj/je/5