Adult Day Care Centers provide social and health services for seniors who need supervised care outside of their residence.  The services provided by these centers include transportation, meals, personal care and social activities.  Although these activities provide essential services to certain seniors, they expose the companies providing these services to a number of potential lawsuits.  The insurance programs and companies represented by Suburban General Insurance provide access to competitive premiums, loss control services and comprehensive coverage.  Examples of program coverage’s are outlined below:

General Liability

• Including Employee Benefits Liability
• Employees and Volunteers as Additional Insured
• Coverage for fundraising events
• Abuse & Molestation coverage

Property

• Blanket limits for larger property schedules
• Special Cause of Loss coverage on building, contents, loss of income and extra expense
• Ordinance or Law coverage

Automobile

• Any Auto on underwritten and approved accounts
• Hired and non-owned auto
• Hired Physical Damage

Directors & Officers

• Defense cost within or outside your limits of liability
• Low policy deductibles or self retentions

Professional Liability

• Occurrence or Claims Made forms available
• Employees and Volunteers
• Separate coverage part so there is no erosion of General Liability Aggregates

Employment Practices Liability

• Risk Management Tool Kit
• Access to online Human Resource Center
• Fair Labor Standards Act Coverage
• Defense outside the limit of liability
• Full Prior Acts coverage available

Crime & Fidelity

• Employee Theft
• Forgery or Alteration
• Money & Securities

 

Suburban General Insurance Agency is currently working with four AM Best “A” rated insurance carriers for the placement of Adult Day Care Centers.  These insurance carriers are often combined to produce the most comprehensive and competitive insurance program available.