Illinois SB 3824: DAY CARE LIABILITY INSURANCE

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB3824

Introduced 2/6/2026, by Sen. Ram Villivalam 

SYNOPSIS AS INTRODUCED:

New Act

 Creates the Liability Insurance for Day Care Providers Act. Provides that the Department of Insurance and the Department of Early Childhood, in consultation with community partners, shall conduct a survey that shall include, but not be limited to, specified subjects concerning the accessibility of liability insurance for day care providers. Requires the Department of Insurance and Department of Early Childhood to develop a finalized report of the survey and submit the findings of the report to the relevant community partners, the General Assembly, and the Governor no later than one year after the effective date of the Act. Effective immediately.

LRB104 19379 BAB 32827 b

A BILL FOR

SB3824LRB104 19379 BAB 32827 b

1 AN ACT concerning regulation.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 1. Short title. This Act may be cited as the 

5Liability Insurance for Day Care Providers Act.

6 Section 5. Findings; purpose.

7 (a) The General Assembly finds that:

8 (1) There is an ongoing concern regarding the 

9 availability and affordability of liability insurance for 

10 day care providers within the State of Illinois.

11 (2) In Illinois, day care providers operate tight 

12 margins within a fragile economic model in which the 

13 overall revenue fails to offset operating expenses, an 

14 issue predating the pandemic but now exacerbated by rising 

15 costs, low subsidy reimbursement rates, staffing 

16 shortages, and current economic limits on a parent's 

17 ability to pay for the cost of day care. In addition, 

18 reven