What You Can Expect From Adult Day Care Liability Coverage

Day Care

What You Can Expect From Adult Day Care Liability Coverage

An adult day care provides a valuable service to the community. You offer a place where families can trust that their aging loved ones will be safe. To protect your business and your staff, you need solid liability coverage.

General Liability

No matter how careful you are or how safe your center is, accidents sometimes happen. Your general liability policy covers accidents that are not specifically related to the services you provide. It can pay the legal fees and settlements associated with a visitor’s injury or property damage that occurs on your grounds.

Specialized Liability

Every industry has specific risks associated with the services it provides, and adult day care is no exception. There are several adult day care liabilities that your staff may be accused of:

  • Medical malpractice
  • Negligence
  • Poor advice
  • Bodily injury
  • Accounting errors

Even if your staff is not guilty of these errors, clients can still sue for damages they believe they are owed. Whether they are awarded said damages or not, you want to make sure the cost of the lawsuit itself is covered by your insurance provider.

Your adult day care staff is committed to giving clients the best care possible. Protect your staff with good liability coverage that specifically addresses the risks of running an adult day care facility.


Marine Insurance

Professional Liability for Marine Surveyors

Liability insurance is a must-have in any industry, but for those companies that operate in sensitive or high-risk areas of industry, it’s even more essential than for most. It’s also important that your insurance reflects the exact niche and industry where you operate because the professional obligations and liabilities of companies providing legal or financial services are vastly different than those of companies in manufacturing or natural resource extraction. Marine surveyor insurance is no exception, in fact, when it comes to the importance of customized liability coverage, it might be better to think of it as the rule.

Learn More About Marine Surveyor Liability Coverage

Unsure if your coverage meets all your needs as a marine surveyor? Merrimac Marine Insurance provides a quick rundown of the essential components of coverage that marine businesses need to concern themselves with, and it’s worth a look if you’re trying to be sure you have all the right insurance for your business. It’s also worth considering whether a customized professional liability policy could fold in additional types of insurance and riders to cover risks unique to your business. After all, even if all marine surveyors have different needs from other marine businesses, that doesn’t mean they all have the same needs. Finding an insurer who commits to truly customizable coverage means getting exactly what your company needs at every stage of its development.