Residential Care Facility Liability Insurance

General Liability Insurance Agent for Residential Care Facilities

General liability coverage is absolutely critical in effectively safeguarding residential care facilities against a variety of liability claims that can come as a result of physical injury or property damage on the premises. Over the years, we’ve been able to set residential care facilities up with comprehensive general liability insurance policies that work well within their particular budgets. When determining which policies to recommend, our dedicated insurance agents will always take all of the residential care facility’s particular circumstances and requirements into account to help prevent any deficiencies in coverage.

Two important aspects of residential care facility general liability insurance are the Each Occurrence Limit and the General Aggregate Limit. The former refers to the coverage maximum for each individual liability claim. The latter involves the maximum amount of liability coverage as pertains to numerous claims filed within a determined period of time.

Professional Liability Insurance Broker

When it comes to insuring your residential care facility, it’s important to get liability protection not only for the facility itself, but also for all of the various staff that work there. As an experienced professional liability insurance broker for residential care facilities, InsureMyRCFE will help guard caregivers, administrators, and other team members if claims are made involving inappropriate actions, errors or negligent behaviors. This particular liability insurance coverage encompasses situations resulting from the carrying out of a range of professional duties including the dispersion of food and medication along with therapy and other core components of regular nursing home care.

Physical and Sexual Abuse Liability Insurance

Physical and sexual abuse liability insurance covers nursing homes against claims of alleged physical and sexual abuse acts, omissions and misconduct. Sexual abuse coverage is quite similar to that of physical abuse because it involves alleged abusive actions, misconduct, or behaviors of a sexual or non-sexual nature committed against residential care facility residents.

As the owner or operator of a residential care facility, it is in your best interest to obtain an inclusive liability policy that provides general, professional and physical & sexual abuse coverage so as to minimize incident risk or even eliminate certain vulnerabilities.