When should you buy insurance?
April 29, 2022
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First Underwriters Insurance Brokers provide insurance protection for adult residential care facilities including adult foster homes, adult family homes, assisted living homes, adult care homes, assisted living facilities, and personal care homes.
First Underwriters Insurance Brokers offers insurance for personal care homes, adult care homes, adult family homes, adult foster homes, assisted living facilities, and assisted living homes in Washington, Oregon, California, and Texas.
Assisted living facilities vary greatly in size and structure. Facilities can range from a high-rise apartment complex, to a converted home, to a renovated school. Most facilities have between 25 and 120 dwelling units, but facilities may be larger or smaller. The vast majority of the facilities operated by professional owners and managers have been built since 1990. Assisted living facilities may be freestanding operations or they may be integrated with hospitals, nursing homes, continuing care retirement communities, or independent housing complexes that offer different levels of care.
Regardless of the Size and Service provided, First Underwriters Insurance Brokers will align the right insurance carrier for your Adult Family Home.
Adult Family Home Insurance
Lines of Coverage | Hazard Index | Underwriting Comments |
|---|---|---|
Automobile Liability | 7 | Frequent transportation of residents to offsite locations; accidents involving multiple claimants could occur. |
General Liability: Premises and Operations | 7 | Large numbers of daily visitors; accidental injuries to |
Professional Liability | 6 | Training and credentials of all caregivers and medical staffwill be a primary concern under this line of coverage. |
Workers Compensation | 6 | Back injuries and worker burnout may be common; possible exposure to contagious illnesses and bloodborne pathogens for medical staff and caregivers. |
For Additional Information – In addition to the links and references provided on this page, the following is a list of useful information sources concerning assisted living facilities:
Full Service Insurance Brokerage Firm Offering Personal, Commercial, Life, and Health Insurance in addition to Risk Management Consulting.
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