Adult day health and social day programs combine care, activity and transportation in one operation — and each of those carries a different exposure.
When your program includes health services, the claim that says the care itself caused harm is a professional liability claim, not a general liability one.
Mobility varies widely across participants. Ordinary daily movement around your facility is the most common source of injury claims.
Many programs run a pick-up and drop-off route. Owned vehicles, hired vehicles and staff cars each need to be accounted for.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
