Residential Care Facility for the Elderly Insurance
Coverage considerations for residential care facilities for the elderly that house and care for a vulnerable resident population.
What this coverage is intended to address
- ✓General liability and professional liability insurance, together with Errors & Omissions (E&O) insurance, are generally intended to respond to allegations tied to resident care and the services your facility provides.
- ✓Sexual abuse and molestation (SAM) coverage, which is generally intended to respond to allegations of abuse involving a vulnerable resident.
- ✓Resident-injury and elopement exposures, such as a fall or a resident wandering from the facility, which are generally intended to be addressed under applicable coverage.
Coverage products commonly considered
Most residential care facility for the elderly operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A resident's family alleges that a lapse in care led to a serious injury; professional liability / E&O insurance and general liability are generally intended to respond to a covered claim of this type.
- An allegation of abuse is raised involving a resident in your care; sexual abuse and molestation (SAM) coverage is generally intended to respond in the event of a covered claim.
Frequently asked questions
Why does an RCFE need sexual abuse and molestation coverage?
Because the population is vulnerable, allegations of abuse are a serious exposure, and sexual abuse and molestation (SAM) coverage is generally intended to respond to that risk. It sits alongside the general and professional liability / E&O coverage for resident care. A licensed insurance professional can review your facility.
What about resident falls or a resident wandering off?
Resident-injury and elopement situations are core exposures for a care facility, generally intended to be addressed through general and professional liability coverage in the event of a covered claim. A licensed insurance professional can help confirm how these are treated.
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