When you run an Adult Family Home, you take pride in your professionalism as well as your personal care.First Underwriters understands the balance between the personal and the professional, and the special needs of a business fixated in both worlds. Which is why you need pros that specialize in your area of business insurance.
We understand that your in business to protect, care and provide for your patients. At First Underwriters we do much the same for our clients. With the general liability insurance you can have the peace of mind that we will work with you to provide policies that work to protect you in regards to injuries associated with damage to business property and bodily injury.
Our policies are designed with malpractice in mind. This is the largest area of danger for healthcare related facilities and this should be front and center when it comes to the policies that cover your line of work. Doctors, nurses, physical therapists and all other health professionals carry liability insurance – and the caregivers at residential care facilities should have the same protection.
When your home is your business, you need more than personal homeowners coverage to safeguard your risks. We carry only A-rated plans that cover the special needs of homes licensed as health care facilities. The reason is that you providing care and the associated risks are higher due to dealing with the older population. You want to make sure that this is adequately protected because its not just your business but your home.
Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.