Oklahoma Code § 10-404.3

Title 10. Children: Demarion's Law - Mandatory liability insurance for
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facilities
A.  A child care facility shall maintain general liability
insurance coverage as defined by Section 707 of Title 36 of the
Oklahoma Statutes of at least Two Hundred Thousand Dollars
($200,000.00) for each occurrence of negligence.  An insurance
policy or contract required under this section shall cover injury to

a child due to negligence that occurs while the child is in the care
of the child care facility.
B.  The Department of Human Services shall promulgate rules
providing for a standard form to be signed and dated by an insurance
agent licensed in this state stating that the child care facility
has an unexpired and uncancelled insurance policy or contract of at
least Two Hundred Thousand Dollars ($200,000.00) that meets the
requirements of this section.  This form shall be completed annually
and shall be maintained by the child care facility.  Upon request,
the form shall be made available to the Department to determine
compliance with licensing requirements.
C.  Should the child care facility for financial reasons or for
lack of availability of an underwriter willing to issue a policy be
unable to secure the insurance required under subsection A of this
section, should the policy limits be exhausted, or if the child care
facility reports self-insurance in accordance with state law the
child care facility shall:
1.  Post a conspicuous notice at the facility indicating the
facility does not have liability insurance coverage pursuant to this
section or reports self-insurance in accordance with state law;
2.  Notify the Department that coverage is not provided or that
the facility reports self-insurance in accordance with state law;
and
3.  Keep a form signed by the parent or legal guardian of each
child that he or she has been told that the child care facility does
not carry at least Two Hundred Thousand Dollars ($200,000.00) of
general liability insurance.
D.  The Department shall promulgate rules providing for a
standard notice form for the facility to post which indicates the
facility does not carry liability insurance or reports self-
insurance in accordance with state law.  The form required pursuant
to paragraph 1 of subsection C of this section shall be:
1.  Printed with lettering that is legible and in at least
three-fourths-inch boldfaced type;
2.  Placed at the main entrance of the facility in a conspicuous
location; and
3.  Copied and provided to the parent or legal guardian of each
child under supervision of the child care facility.
E.  In no case shall the inability to secure coverage serve to
indemnify the child care facility due to negligence.
F.  The insurance policy or contract shall be maintained at all
times in an amount as required by this section, except as provided
for in subsection C of this section.
G.  Each child care facility shall maintain a copy of the most
recent compliance file onsite.  The Department shall promulgate
rules providing for a standard notice form for the facility to post
which indicates:

1.  The facility has a copy of the most recent compliance files
onsite for inspection upon request of a parent or guardian of each
child under the supervision of the child care facility; and
2.  Such files are also made available for public inspection by
the Department.
H.  The forms required pursuant to this subsection shall be:
1.  Printed with lettering that is legible and in at least
three-fourths-inch boldfaced type;
2.  Placed at the main entrance of the facility in a conspicuous
location; and
3.  Copied and provided to the parent or legal guardian of each
child under supervision of the child care facility.
I.  The requirements for posting provided by subsection D and G
of this section shall not apply to:
1.  Licensed child-placing agencies;
2.  Licensed residential child care facilities; or
3.  Department-certified child care facilities.
J.  The Department may promulgate rules requiring liability
insurance for facilities listed in subsection I of this section.
K.  Failure by a child care facility to comply with the
provisions of this section is grounds for suspension or revocation
of the child care facility license under the Oklahoma Child Care
Facilities Licensing Act.
L.  The Department shall promulgate rules to implement the
provisions of this section.
Added by Laws 2008, c. 58, § 2, eff. Nov. 1, 2008.  Amended by Laws
2009, c. 136, § 1, emerg. eff. May 8, 2009; Laws 2010, c. 45, § 1,
eff. Nov. 1, 2010; Laws 2013, c. 308, § 5, eff. Nov. 1, 2013; Laws
2016, c.283, § 1, emerg. eff. May 9, 2016.

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