Adult Day Care (ADC) / Adult Health Day Care
Adult Residential Care Facility (ARF)
Assisted Living Facility
Group Home / Small Family Home
Home Care Organization / Home Health Agency
Independent Living Facility (ILF)
Intermediate Care Facility (ICF)
Residential Care Facility for the Elderly (RCFE)
Liability + Property + Auto + Umbrella
Employment Practice Liability
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Commercial property coverage consist of building, business personal property, and property of others coverage.
This provides coverage for the building/facility, your owned or leased. Building coverage also includes separate structure, additions, fixtures, permanently installed equipments, and property used to maintain the building.
Business Personal Property
Personal properties including furniture, machinery, beds, computers, or any leased contractual personal property located in the building or structure listed on the declaration pages used in your business operations.
Property of Others
Property of others includes the personal properties' of your residents or clients that you are in care, custody, control that are located in the building, or structure listed on the declaration pages.
The following coverage may be included in your commercial property coverage. Make sure to review the policy definitions and limits on your policy to verify the coverage:
Business Income and Extra Expenses
When your commercial property is destroyed, business income provides the income to your business operations. Business income calculation is based on net income (net profit or loss before income taxes) plus what our normal business operating expenses including payroll if your business had been interrupted by a loss.
The coverage provides additional reimbursement for necessary unexpected extra expenses you have to incur during the "period of restoration" that you would not have incurred if the loss had not happened. Ex: Temporary relocations, hiring additional help, catering food service, or any other expenses to continue operations normal during the "period of restoration".
This coverage provides a loss from employee dishonesty, computer fraud transfer, robbery, burglary, forgery, embezzlement, theft from an outside party, or employee. Crime definition and coverage limits can vary from one insurance carrier to another depending on what is provided and what you have selected. Crime coverage usually does not include criminal acts by your or your business partners, accounting errors on your and other exclusions.
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Other insurance to consider for your facility.