Resident Fall Claims
What this clause says
Professional Services means services performed in the treatment, care, or custody of Residents, including assessment, care planning, and the implementation of fall prevention interventions.
What this actually means
Falls are the highest-frequency serious claim in every senior care setting. They sit at the boundary between general liability, which handles premises conditions like a wet floor, and professional liability, which handles assessment and care planning. Which one responds depends on how the claim is pleaded and how the two coverages are integrated.
What it means for an operator
This boundary is the practical reason to insist on a combined general and professional liability form from a single market. When the two are split between carriers, a fall claim alleging both a slippery floor and an inadequate fall risk assessment can produce a coverage dispute between your own two insurers while the case proceeds. Each argues the other line responds. That dispute costs money and delays defense at the point where a united front matters most. If you must split the coverages, insist on matching wording and a written agreement on defense cost sharing. If they sit with one market on one form, that argument cannot happen.
How this evaluates
The Policy Checker applies these rules in order; the first match wins.
See this in your policy
Check this term against your own program.
Run the Policy Checker