Things your Adult Day Care Insurance should Cover

If you operate an adult day care center, you could have potential liability in a number of different ways. As a result, your adult day care insurance needs to cover a wide range of issues if you are to be adequately protected.
Your policy should include general liability coverage that would take care of injuries that occur at your facility. In order to ensure adequate protection, you should consider up to $1 million in coverage for your day care center. Some of the things your general liability coverage should include are:
 

• Personal injury liability
• Premises liability
• Fundraising coverage
• Medical payments for employees, clients and volunteers alike
• Blanket additional insurance for funding sources and landlords
• Abuse and molestation coverage
• Employee benefits liability

You’ll also need coverage for the property you occupy. The amount of coverage will depend on the size of your facility and location. Some things that should be included in the property portion of your policy are:
 

• Blanket limits with large in-house capacity
• Loss coverage on building and contents
• Loss of income and other expenses
• Water damage due to backed up sewers or drains (recommended amount $30,000)
• Equipment breakdown coverage

If y our center shuttles clients to and from doctor appointments or takes them on recreational outings, you’ll need to have automobile coverage that includes:
 

• Owned, hired, and non-owned autos
• Hired car physical damage
• Coverage for employee and volunteer drivers alike
• Rental reimbursement for private passenger vehicles

Protect yourself against unscrupulous workers by ensuring you have crime and fidelity coverage that includes:
 

• Employee theft
• Money and securities
• Forgery or alteration

Professional coverage is needed in order to ensure you don’t get named in a neglect or medical malpractice suit. You should ensure your policy includes a clause that states, “separate coverage part so no erosion of General Liability aggregate limit.” That way, any claims that arise under professional misconduct will not count toward your own general liability limits. You’ll also want to make sure your policy claims to provide “primary coverage for employed nurses and various liability for contracted physicians and dentists” in order to ensure all your bases are covered.
A Bell Endorsement on your policy can also be a good idea. This endorsement will cover your business for up to $50,000 for each business travel accident. It will also cover a number of other incidents including cancelling fundraising events, image restoration, emergency real estate consulting, identity theft, kidnapping and terrorism to name a few. A crisis management endorsement will cover your business for up to $25,000 for any expenses related to responding to a crisis, and should be included in your policy as well.
After reviewing all these different types of coverage, you may be feeling a bit overwhelmed. That’s where San Diego Contractors Insurance can help. We’ll assist you in reviewing your policy in order to make sure you have the right kind of protection for your adult day care center. To set up an appointment for a consultation, contact us today.