Residential Facilities For Adult and Elderly Care

 As residential facilities progress and extend their range of services, they face heightened exposure to various risks, notably in the realms of general liability, professional liability, and cyber liability. Jarvis Insurance Agency (JIA) provides an insurance program tailored to address these specific areas, aiming to protect both the facilities themselves and their staff from potential financial losses. 

Eligible Accounts:

• Residential facilities for adult and elderly centers 
• Board and Care Homes
• Independent living facilities
• Continuing care retirement communities
• Both for-profit and not-for-profit facilities, ranging from single locations to larger residential care organizations with multiple locations

Policy Features:

• Primary general liability written on occurrence or claims-made basis
• Primary professional liability written on occurrence or claims-made basis
• Will write primary and excess (supported or unsupported)
• Additional insuring agreements include:
  • Evacuation expense reimbursement
  • Public relations reimbursement
  • Resident property coverage
  • Employee benefits liability coverage
• Coverage for punitive damages where allowable by law
• Coverage for physical and sexual abuse
• Standard form is defense outside the limit, can be moved inside for a premium credit

Coverage:

• Auto Liability 
• Non-Owned Auto 
• General Liability/Professional Liability
• Sexual Abuse/ Molestation (SAM)
• Excess Limits and Umbrella 
• Workers Compensation
• Crime or fidelity bond (admitted)
• Property
• Errors and Omissions
• Inland Marine
• Employee Health Benefits
• Employer Practices Liability Insurance (EPLI)