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General & Professional Liability Insurance
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InsureMyRCFE provides General, Professional and Physical/Sexual Abuse Liability for your care facility.
Commercial (General) Liability
General Liability – Protects your business against liability claims from physical injury and property damage arising from premises.
Each Occurrence Limit – The maximum amount of coverage for each incident.
General Aggregate Limit – The maximum amount of liability coverage for numerous claims within the coverage period.
Professional Liability (E&O)
Professional Liability provides coverage for you and your caregivers against act, neglect, error or omission as a result of giving or failure to give appropriate services to your residents or clients. This may consist of counseling, disbursement of foods, medications or professional care.
Physical and Sexual Abuse Liability
Physical and Sexual Abuse Coverage provides protection against physical and sexual abuse including alleged act, error and omission, and misconduct of misuse. Sexual Abuse coverage is much like physical abuse as it pertains to sexual or non-sexual alleged action, behavior or misconduct of abuse against the residents or clients.
As an owner of a care facility, you’ll want a liability policy consisting of general, professional, and physical/sexual Abuse coverage because your facility may be vulnerable and at risk of an incident.