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Typical ALF
Insurance Package
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Most Assisted Living Facilities Take the Following Coverage: 
                   
General Liability: General liability is a very broad policy form, with several sub-sections of coverage.  From an ALF perspective, the most common incident that triggers general liability is damage to property of a 3rd party (for instance if a tree falls on a visitor's car in your parking lot).  General liability also responds to allegations of libel and slander, slip and fall damage toa 3rd party on your premises, and various other perils.

Professional Liability:  In a assisted living setting, professional liability responds to damage to a client due to allegations of improper care or due to the absence of proper care.  We have seen claims ranging from improperly reported/treated bed sores, to scalding burns while bathing, to falls while assisting ambulation.

Commercial Crime Bond:  Bonding responds to allegations of theft from a client, or theft from the employer, by an employee.  Theft from a client is the most 
common claim in ALFs, and can include theft of cash or personal items (jewelry, valuables, drugs), unauthorized use of credit cards, or other means of stealing from the elderly.

Workers Compensation:  Workers compensation is mandatory in 49 states (with certain numerical exceptions) and responds to on-the-job injury to employees (and increasingly, contractors)

Building/Contents Insurance:  Protects your building and business personal property (copiers, desks, chairs, computers, etc.) from loss.  Some policies also provide business income replacement and extra expense reimbursement, both valuable in the event of a catastrophic claim but too complicated to address here.

Employment Practices Liability Insurance:  Responds toemployment related claims such as EEOC claims, failure to promote, age discrimination, etc.

Umbrella Liability:  Extends the limits of insurance available on underlying policies.