The Administration shall provide liability insurance for resource parents who care for children under certain conditions. The insurance shall cover the following: Bodily injury and property damage that a child in care causes to a person or the property of a person other than a resource parent; and Actions against a resource parent by a natural parent for any accident to the child. Reimbursement. Subject to the provisions of this section, the Department shall reimburse a resource parent for costs of bodily injury or property damage that the child in care causes to the resource parent and that insurance does not cover. Before reimbursement under this subsection, the Department shall be satisfied that the actions of the resource parent did not contribute substantially to the bodily injury or property damage sustained. Reimbursement under this subsection shall be made for all costs to a maximum amount of $5,000. All payments in excess of $2,000 require the approval of the Board of Public Works. The Department shall advise the resource parent of this coverage and that it will not cover claims related to: Injury or damage to which the resource parent substantially contributed; Injury or damage covered by the resource parent’s insurance; Claims of alienation of affection; Accidents involving vehicles that are licensed or intended for road use; Claims exceeding $5,000.00; and Injury or damage that was otherwise covered by insurance.