{"id":10265,"date":"2022-05-03T09:02:57","date_gmt":"2022-05-02T23:02:57","guid":{"rendered":"https:\/\/kelsolawyers.com\/au\/?p=10265"},"modified":"2026-04-16T14:27:14","modified_gmt":"2026-04-16T04:27:14","slug":"brian-houston-resigns","status":"publish","type":"post","link":"https:\/\/kelsolawyers.com\/au\/out-of-home-care-deemed-uninsurable-after-child-sexual-abuse-claims\/","title":{"rendered":"Out-of-home care deemed \u201cuninsurable\u201d after a flood of child sexual abuse claims"},"content":{"rendered":"

\"holding<\/p>\n

Image: <\/span>Pexels<\/span><\/a>\u00a0<\/span><\/p>\n

A flood of child sexual abuse claims since the <\/span>Royal Commission into Institutional Responses to Child Sexual Abuse<\/span> has caused an insurance market collapse, leaving some of New South Wales\u2019 largest <\/span>foster care<\/span><\/a> services uninsured for child abuse claims.\u00a0<\/span><\/p>\n

Out-of-home care and youth homelessness service providers have been <\/span>unable to renew their physical and sexual abuse cover since June 2021<\/span><\/a> when insurers began pulling out of the market due to the frequency of claims.\u00a0<\/span><\/p>\n

Ansvar Insurance, the biggest insurance provider in the space, withdrew from out-of-home care in June 2021. It continues to cover the childcare, disability and education sectors. Chief Executive Warren Hutcheon has said that<\/span> the high-risk nature of out-of-home care has resulted in \u201cunviable\u201d pricing<\/span><\/a>.<\/span><\/p>\n

The mass exodus has forced the state government to create a<\/span> short-term indemnity scheme with a limit of $5 million to cover incidents that have occurred since June 2017<\/span><\/a>. This means the indemnity will not cover a large number of future claims.<\/span><\/p>\n

The Association of Children\u2019s Welfare Agencies (ACWA) has raised concerns with the state government about the insurance crisis which affects the Australian, Canadian and UK markets. Chief Executive Steve Kinmond said the crisis is so serious that <\/span>it endangers the ability of non-government services to operate and ensure the safety of young people<\/span><\/a>.<\/span><\/p>\n

\u201cThe insurance market has done its sums and made a policy call that this whole area of practice constitutes too great a risk for the sector,\u201d he said.<\/span><\/i><\/p><\/blockquote>\n

27 applications have been submitted by insurance providers to the indemnity scheme and 16 offers have been made. The scheme ends in December 2022. NSW upper house Greens MP David Shoebridge says the <\/span>government needs to step in to establish alternative insurance<\/span><\/a>.\u00a0<\/span><\/p>\n

\u201cInsurers will only write premiums where they think they will gain a profit and in this sector, insurers have been losing millions of dollars to cover past claims,\u201d he said.<\/span><\/i><\/p>\n

\u201cWe\u2019ve seen this sort of crisis in home building warranty, where all private insurers withdrew and now almost two decades later the state government is still having to provide insurance.\u201d<\/span><\/i><\/p><\/blockquote>\n

One major out-of-care provider (who has remained anonymous) believes its commercial policy will not be renewed in June after a <\/span>300% increase in liability costs last year<\/span><\/a>.<\/span><\/p>\n

\u201cWe just feel really exposed. We take vulnerable kids on and by definition of their circumstances, we are quite liable. From a planning point of view, it makes it next to impossible. What kind of money do we need to set aside because of our lack of coverage?\u201d<\/span><\/i><\/p><\/blockquote>\n

Get the justice you deserve with Kelso Lawyers. We want to hear your story. Call (02) 4907 4200 or <\/b>complete the online form<\/b><\/a> before you accept payment from the <\/b>National Redress Scheme.<\/b><\/a>\u00a0<\/b><\/h2>\n

Image: <\/span>News.com.au<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Image: Pexels\u00a0 A flood of child sexual abuse claims since the Royal Commission into Institutional Responses to Child Sexual Abuse has caused an insurance market collapse, leaving some of New South Wales\u2019 largest foster care services uninsured for child abuse claims.\u00a0 Out-of-home care and youth homelessness service providers have been unable to renew their physical […]<\/p>\n","protected":false},"author":30,"featured_media":10268,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-10265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nOut-of-home care deemed \u201cuninsurable\u201d after a flood of child sexual abuse claims - Kelso Lawyers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kelsolawyers.com\/au\/out-of-home-care-deemed-uninsurable-after-child-sexual-abuse-claims\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Out-of-home care deemed \u201cuninsurable\u201d after a flood of child sexual abuse claims - 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