Insurance for Senior Living Facilities

Property Insurance Coverage Advantages

• Emergency vacating expense
• Employee theft
• Forgery or alteration
• Ordinance or law – Loss to the undamaged portion of the building, including demolition costs and increased cost of construction
• Property off premises
• Property of residents
• Utility services
• Communicable disease extra expense
• Theft of residents’ money and securities

General Liability Insurance Coverage Advantages

• Blanket additional insureds (as required by contract)
• Limited assault
• Limited property damage to property of others in your care, custody or control
• Temporary liquor liability

Assisted Living Facilities Professional Liability Insurance Advantages

• Occurrence form
• Broad limits
• Insureds include employees, volunteers and students-in-training

Abuse or Molestation Insurance Advantages

• Occurrence/claims-made
• Broad limits
• Innocent employee, volunteer and student-in-training limited civil expense

Commercial Automobile Insurance Advantages

• Blanket additional insureds
• Care, custody or control amendment
• Additional transportation expenses
• Garage keepers
• Expanded audio, visual, data electronic equipment

• Builders risk
• Business income & extra expense – ALS
• Commercial umbrella
• Computer fraud
• Crisis response
• Cyber liability
• Flood/earthquake
• Funds transfer fraud
• GreenPac^®
• Identity theft
• Inland marine
• Key employee replacement

Selective can help you prevent claims before they occur with our extensive Safety Management services:

• Thermographic infrared testing of electrical panels and incoming service at no additional cost
• Building valuation
• Employee background screening and access to discounted motor vehicle reports through Praesidium^®
• Assistance with developing policy and procedure manuals, including screening guidelines for employees and volunteers working with vulnerable adults
• Habitational emergency evacuation training and other life safety evaluations
• Pre-screening assistance with employee motor vehicle reports
• Fleet safety assistance, including defensive driving instruction, 15-passenger van safety, and vehicle emergency evacuation training
• Driver monitor program through SafetyFirst^®, if eligible

For more information about Selective’s Safety Management services, click here.

Please contact your Selective agent for more information about our products and insurance services for Senior Living Facilities.