Adult Day Care facilities are those that are licensed to assist physically or mentally impaired adults by providing a social hub during daytime hours.  Adult Day Care facilities provide socially oriented activities, such as arts and crafts, cards, movies and pool tables.  The majority of adults attending Adult Day Care facilities should be ambulatory.

General Liability Underwriting & Rating Considerations

• Rate based on $1MM/$2MM Limit
• Rate based on Average Daily Attendance
• Submit if caring for Alzheimer’s
• Sexual/Physical Abuse included at $100,000/$300,000 – higher limits available
• Errors and Omissions included
• Submit if risk has swimming pool
• Prohibited: overnight stays, doctor on staff, hired & non-owned auto, unlicensed facilities
• Umbrella/Excess available

Property Underwriting & Rating

• $2MM TIV (submit higher values)
• If building is older than 25 years, submit updates