Insurance for Adult Day Care
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Comprehensive Adult Day Care Liability Insurance
Adult day care services support seniors and adults with disabilities in a safe, supervised setting. However, daily care activities can create liability risks, including client injuries, accidents, medication errors, and property damage.
Our adult day care liability insurance cover:
- Legal defense costs, including settlements or court expenses.
- Accidental injury to any person in your care, such as a fall during mobility assistance.
- Negligence, such as giving incorrect assistance or missing important care instructions.
- Property damage, to a client’s home or belongings.
- Abuse Allegations: including claims of physical or sexual misconduct, even if the allegations are unproven.
- Needlestick coverage, for Registered Nurses administering services they are licensed to perform in their state.
- Includes medication administration, covers if it is a Registered Nurse performing services they’re licensed to in their state.
- Hired & Non-Owned Auto
- Regulatory proceedings
- Medical Billing E&O
- Vicarious liability
- Loss of personal information
- First aid coverage
BizInsure offers you custom-built professional and general liability insurance for adult day care to protect your livelihood, career, and reputation.
Why do adult day care professionals need insurance?
Adult Day Care professionals dedicate themselves to providing proper care to patients in a safe, friendly environment. However, if mistakes happen, the financial burden can be severe to them. This is why business insurance that is reliable and customized to Adult Day Care professionals is incredibly important. BizInsure is where Adult Day Care professionals can go to get dependable and affordable insurance tailored to them.
Who we cover
Whether you assist clients in private homes, long-term care facilities, or through a home health agency, we offer tailored insurance to a wide range of home care providers, including:
- Personal Care Aides (PCAs)
- Home Health Aides (HCAs)
- In-Home Care Service Providers
- Nursing Assistants and CNAs
- Registered Nurses (RNs)
- Physical Therapists
- Occupational Therapists
- Nurse Practitioners
- And other medical professionals
Miscellaneous Medical Liability package
Each of these insurance types offers protection against the risks Adult Day Care may face, providing you with peace of mind and comprehensive coverage.
Professional liability, known as malpractice insurance for adult day care, protects against claims relating to your work including negligence, libel or slander even if you haven’t made a mistake.
Highlights
- Negligence or misconduct in daily care responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General liability insurance protects adult day care professionals against claims of client injuries, property damage, associated medical costs, and advertising injury. For example, a client slipping and injuring themselves while in your care.
Our General Liability insurance for adult day care includes Products Liability and Completed Operations Liability coverage.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Abuse and molestation coverage protects adult day care professionals and home care providers against allegations of sexual molestation and physical abuse by clients and employees.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber breach response insurance helps adult day care and healthcare professionals notify clients if their information is accessed in a data breach.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does adult day care liability insurance cost?
On average combined General & Professional Liability insurance for adult day care costs $45/mo. Premiums can depend on specifics such as size of your business, location, coverage amount and services provided.
The best way to know how much you’ll pay is to compare multiple quotes with our easy online application. BizInsure offers adult day care liability insurance at competitive industry rates.
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