Resident Transportation and Non-Owned Auto

Auto liability in senior care covers facility vehicles used for resident outings and medical appointments, vehicles hired for that purpose, and employee personal vehicles used on facility business. That last category, non-owned auto, is the one most often missing.

Two exposures sit outside most operator's mental model. The first is that transporting frail and non-ambulatory residents converts an ordinary auto accident into a severe injury claim, and wheelchair securement and lift operation add failure modes an ordinary fleet does not have. The second is non-owned auto: when a staff member drives a personal car to collect a prescription or transport a resident, their personal policy is primary and yours sits above it, and if their personal limits are minimal, your exposure is not. Confirm hired and non-owned coverage is included, and check whether your driver qualification and motor vehicle record checking practice actually matches what the policy assumes, because that is a common declination point after a loss.