Memory care
Is elopement covered under our policy?
Usually yes, but not through any dedicated grant. Elopement is a professional liability claim about assessment, care planning, supervision and the provision of a safe environment, so coverage turns on the professional services definition.
Confirm that definition explicitly reaches supervision and the provision of a safe environment rather than being limited to the rendering of medical or nursing services. A narrow definition creates an argument between the general liability and professional liability halves of the program at exactly the wrong moment.
Then confirm no wandering or premises security exclusion has been attached, at any layer of the tower. These are not universal, but where they appear they are decisive.
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More memory care questions
Is a resident on resident injury treated as an assault claim?
Often yes, regardless of how it is pleaded, which pulls a core memory care exposure down to the assault and battery sublimit.
What do underwriters want to see from a memory care operator?
Controls, documented. Behavioral assessment, unit-level staffing, secured egress testing, de-escalation training and a practiced missing resident protocol.
Can we negotiate a carve-back for resident behavioral incidents?
It is a defensible request: claims arising from the behavioral expression of a diagnosed condition are professional liability in substance, not intentional torts.
Does a secured unit reduce our premium?
The hardware alone does not. The testing record, the drill log and the missing resident protocol are what underwriters actually price.
What happens if a resident elopes and is not harmed?
It is still a reportable event in most states and it still ends up in the record an underwriter and a plaintiff will read.
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