Major exclusions include:
• Damage to a foster parent’s property caused by a foster child less than $100 or greater than $1000
• Bodily injury or property damage resulting from a business pursuit of any uninsured person
• Bodily injury or property damage resulting from the operation, ownership, maintenance, use of, or entrustment to others of any motor vehicle, with or without the permission of any foster parent. This includes any automobile, motorcycle, small motor vehicle (i.e. cart, go-kart, ATV, etc.), snowmobile, aircraft, sailboat, or other watercraft greater than 50 horsepower inboard or 25 horsepower outboard
• Liability assumed by the insured under any agreement, other than an expressed written agreement, relating directly to the car of a foster parent or to the foster parent’s residence
• Any obligation for which the insured would be covered by worker’s compensation, unemployment compensation, disability benefits, or any similar insurance coverage
• Liability resulting from any criminal or illegal act of any insured wherein he or she has been found guilty via criminal prosecution or has entered a plea of guilty or nolo contendere to a criminal act

Certain claims may be covered by a homeowner’s or automobile insurance policy; therefore, you also must report all claims to your personal homeowners or automobile insurance agent.

The DFCS insurance policy is excess coverage beyond your personal liability, homeowner’s, or other insurance and will only serve as primary insurance (to the stated limits) when you do not have personal liability coverage of your own. In specific situations, the State of Georgia’s liability insurance policy may cover expenses such as court costs, legal fees, or certain damages that can be settled monetarily. Please discuss all specific incidents with your case manager.