





Betty Brown
Spokane, WA
"As an independent provider going through the licensing process, I have found it very frustrating and confusing concerning the liability insurance requirement.
"I have only one resident and no other income, and yet DSHS is requiring proof of insurance before my license can be issued.
"I have contacted several insurance brokers and received quotes ranging from $3,200 - $5,000 per year.
"I contacted DSHS in writing on August 1, 2007 concerning an exemption and still haven't heard from them. It seems unrealistic for DSHS to require insurance before a license can be approved.
"The insurance brokers also tell me that I must have proof of a license before my insurance can be approved."








Alla Veresko
Moses Lake, WA
"I have been a Provider for only a couple of months and I am already required to purchase liability insurance.
I just can't afford it because such a short time in business and only two clients doesn't give me a chance to continue.
The income just is not enough and I need more clients first."







Carl Burgess
Spokane, WA
"I have been an Adult Family Home Provider for 22 years.
"I
only take state paid developmentally disabled clients in my home. The
state now requires that I purchase liability insurance for my home.
"Some
of my developmentally disabled clients are over the age of 50 and that
will require the cost of my insurance to be $5,000 per year and that
will cause a hardship on my business.