The insurance industry has been visibly absent in the promotion of child passenger safety programs, even though they stand to save thousands of dollars through potential reductions in deaths and injuries suffered by young children as a result of automobile accidents. Further, the insurance industry has, in some instances, inhibited the implementation of loan-a-seat programs because of the unavailability of liability insurance for such programs. Recently some insurance companies have begun offering child safety seats to their employees and policyholders. This paper will explore the current relationship between the insurance industry and the child passenger safety movement.