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HB 6136

AN ACT ESTABLISHING STANDARDS FOR INSURANCE COMPANIES TO TERMINATE COVERAGE OR ADJUST PREMIUMS FOR INSPECTION VIOLATIONS AT CHILD DAY CARE CENTERS.

2025 Regular Session Introduced by Kara Rochelle and 1 co-sponsor

Connecticut bill restricts insurers from canceling child care center policies or raising premiums based solely on inspection violations without considering severity.

REF. TO JOINT COMM. ON Insurance and Real Estate
#childdaycare #healthinsurance #violations
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Bill Summary · HB 6136

Legislative bill overview

HB 6136 would establish regulatory standards that prevent insurance companies from terminating coverage or significantly raising premiums for child day care centers solely based on inspection violations. The bill aims to create a more balanced approach where insurers must consider the severity and nature of violations before making coverage decisions.

Why is this important

Child day care centers operate in a heavily regulated environment and routinely face inspections. Without protections, minor or quickly-corrected violations could trigger insurance cancellations or unaffordable premium increases, potentially forcing facilities to close and disrupting care for working families. This directly affects the affordability and stability of child care infrastructure.

Potential points of contention

  • Insurance industry concerns: Insurers may argue that inspection violations indicate genuine safety risks and should factor into underwriting decisions; restricting their use of this data could increase their exposure to liability claims
  • Definitional challenges: The bill would need clear standards defining which violations warrant coverage changes, creating potential disputes over "severity" and enforcement consistency
  • Unintended consequences: Overly restrictive limits on insurers' underwriting criteria could reduce market competition or cause insurers to exit the child care insurance market entirely, worsening coverage availability

Compiled from official sources — confirm details with the bill’s official record.

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