Physical Damage to the Property of Others
Description: Damage caused by a child to other people’s property while the child is in foster care.

Limits of Coverage: $5,000 per fiscal year. Payments will be made based on an “actual cash value” basis, which is the amount it would cost to repair or replace the damaged property with material/s of like kind and quality, less allowable deductions for normal physical deterioration and depreciation based on the age, condition and normal life expectancy of the property.

Physical Damage to the Property of the Foster Family
Description: The child causes damage to the foster family’s property.
Limits of Coverage: $5,000 per fiscal year. Payments will be made based on an “actual cash value” basis as described above as well as in Administrative Procedure #13.

Bodily Injury to Others
Description: The child in foster care injures someone outside the foster family.
Limits of Coverage: $5,000 per fiscal year.

Bodily Injury to Members of the Foster Family
Description: The child in foster care injures a member of the foster family.
Limits of Coverage: $5,000 per fiscal year.