Residential care homes
Do small homes need abuse and molestation coverage?
Yes, and if anything the small-home setting sharpens the exposure rather than reducing it. Supervision is thinner by definition, and a single caregiver frequently spends unsupervised time with residents overnight.
The controls underwriters price are within reach of a small operator: a background check policy applied consistently, including to anyone who enters the home in a contracted capacity; abuse prevention training with a record of who was trained and when; and a written protocol for what happens in the first hours after an allegation.
Read the sublimit against your main limit, check whether abuse has its own aggregate, and check whether the endorsement applies to any claim arising out of abuse regardless of how it is pleaded.
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More residential care homes questions
Why is a business owners policy not enough for a licensed care home?
Because it has no adequate professional services grant, and a negligent care claim is a professional liability claim.
Can a six-bed home get specialty market access?
Yes. What the markets need is a submission that describes the operation accurately rather than one that treats it as a generic small business.
What changes when we open a second house?
The aggregate basis stops being academic, and a bad year at one house can consume the limits protecting the other.
What if the owner lives in the house?
Two policies each assume the other responds. A homeowners policy generally excludes business pursuits and a commercial policy is not written for personal property.
Do we need workers compensation for live-in staff?
Almost certainly, and live-in arrangements complicate both the compensation question and the wage and hour question.
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