High insurance costs are putting child care programs out of business — but bill proposes solution

By: Maya Mitchell

Outlets: NH Bulletin

Published: March 12, 2026

Words: 684

Last Updated: 4 months, 3 weeks ago

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No one likes to deal with or pay for insurance, and child care providers are no exception.

Under state licensing rules, early care and education programs are required to have liability insurance or disclose to parents that they are uninsured. Having a liability policy protects high-risk businesses, but expensive and hard-to-find plans are hurting an industry already facing thin financial margins and availability issues.

“Liability insurance is mind-boggling,” said Marrianne Barter. “If you even …

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