NY Bill Prohibits Insurer Rate Adjustments Based on Child Services Violations

Detected March 29th, 2026

Summary

A New York Assembly bill has been introduced that would prohibit insurers from using violations issued by the New York state office of children and family services as the sole basis for rate adjustments for child care providers. The bill is currently in the draft stage and has been referred to the Assembly Insurance Committee.

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What changed

New York Assembly Bill A10732, introduced on March 27, 2026, proposes to amend insurance regulations by prohibiting insurers from solely using violations issued by the New York state office of children and family services to adjust rates for child care providers. This bill, currently in its introduced phase and referred to the Assembly Insurance Committee, aims to prevent insurers from using these specific violations as the exclusive factor in determining premium adjustments for these providers.

Child care providers operating in New York should monitor the progress of this bill. If enacted, it could impact how their insurance premiums are calculated, potentially preventing rate increases solely based on certain child services violations. Compliance officers for insurers operating in New York should be aware of this legislative proposal and its potential implications for their underwriting and rating practices.

What to do next

Monitor legislative progress of NY A10732
Assess potential impact on current underwriting and rating practices for child care providers

Source document (simplified)

NY A10732 | 2025-2026 | General Assembly

New York Assembly Bill 10732

NY State Legislature page for A10732
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Status

Sponsorship: Partisan Bill (Democrat 1)
Status: Introduced on March 27 2026 - 25% progression
Action: 2026-03-27 - referred to insurance
Pending: Assembly Insurance Committee
Text: Latest bill text (Introduced) [HTML]

Summary

Prohibits insurers from using violations issued by the New York state office of children and family services as the sole basis for rate adjustments for child care providers.
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Title

Prohibits insurers from using violations issued by the New York state office of children and family services as the sole basis for rate adjustments for child care providers.

History

| Date | Chamber | Action |
| --- | --- | --- |
| 2026-03-27 | Assembly | referred to insurance |

New York State Sources

| Type | Source |
| --- | --- |
| Summary | https://www.nysenate.gov/legislation/bills/2025/A10732 |
| Text | https://assembly.state.ny.us/leg/?default_fld=&bn=A10732&term=2025&Summary=Y&Actions=Y&Text=Y&Committee%26nbspVotes=Y&Floor%26nbspVotes=Y#A10732 |

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