Posted in Business Practice

Liability Waivers and Communicable Disease Exclusion

Questions around liability are still being heard in provider groups. FCCAM has posted on liability waivers and has samples on handbook language available in our Business Toolkit and COVID-19 sections found in the Top Menu.

Here is a recent posting by Tom Copeland on the question. We’ve pulled the following information from that post, as it’s newer information that providers need to be aware of:

“…there are changes coming in the insurance industry because of COVID-19.

Watch out for a new “Communicable Disease Exclusion” endorsement to your policy that says your policy does not apply to communicable diseases. Such an endorsement will say that your policy doesn’t cover ”bodily injury” or “property damage” arising out of the actual or alleged transmission of a communicable disease that might affect staff or ”others that may be infected.”

Such endorsements can be added to your policy at any time. Watch for them or ask your insurance agent if your policy has this new endorsement. …”


FCCAM works to unify, promote and strengthen quality professional family child care in Maine. We are the state affiliate of the National Association for Family Child Care (NAFCC). We are the only professional association in Maine dedicated specifically to supporting family child care providers. FCCAM understands the critical role of family child care providers in the lives of children and families. We also understand the hard work and long hours that are required to provide the much needed child care services in Maine’s diverse communities. FCCAM provides opportunities to network both locally and statewide with other family child care professionals for training and support. Through collaboration with other organizations we are engaged with advocating for children and their families in Maine, increasing awareness of our professionalism and value to our communities.