FAQs

Alongside your own required household insurance, the BC Foster Parents Association (BCFFPA) administers two coverages for foster families at no cost to you. The first is automatic third-party liability coverage — every approved foster parent in the province is covered if someone claims against you for unintentional bodily injury or property damage arising from your caregiving, with no need to apply or pay.

The second is the Rider Insurance Programme, part of the Master Insurance Program. It supplements your own homeowner or tenant policy by mirroring its limits and covering damage and theft caused by a child or youth in care — losses a standard policy would usually exclude. Because it extends your existing policy rather than replacing it, you must keep your own household insurance in place for the Rider to work.

Sources: Foster Family Handbook; Foster Caregiver Orientation Guide

It depends on the amount. For damage or loss under $10,000 caused by a child or youth in care, use the Under-Deductible Losses (UDL) process through Coast Claims Insurance Services — a simpler, low-barrier route. For $10,000 or more, use the standard Rider Insurance Programme claims process. In either case, also let your resource social worker know. For help with a UDL claim, contact the BCFFPA at 1-800-663-9999.

Source: Foster Caregiver Orientation Guide