At Makar Technique Insurance Agency, we offer a comprehensive insurance program tailored to the specific and unique needs of the adult day care center. Our coverage is with an A+ rated admitted insurance company with years of expertise in properly insuring your operations.
Available Coverage Under Our Adult Day Care Insurance Program
- General Liability Coverage
We are able to insure your West Hollywood senior care center with general liability coverage up to $1,000,000 per occurrence. We can include employee benefits liability, coverage for your fundraising events, and coverage for your employees and volunteers as additional insured’s under the policy form. Abuse and/or molestation liability insurance is available under qualifying conditions.
- Property Insurance Coverage
Your West Hollywood property (real and business personal property) will be insured on a special form which includes theft, but excludes earthquake and flood insurance. If your building is sprinklered, we can endorse the property insurance to include coverage for earthquake sprinkler leakage. If you wish to have full earthquake insurance, we can provide that for you with a separate policy. If you are situated in a flood zone, we also offer flood insurance coverage.
- Directors and Officers Liability Insurance
Directors and officers liability insurance is an important component of your commercial insurance portfolio. This coverage can be added by endorsement to the policy at a competitive premium with very broad coverage to include punitive or exemplary damages. The defense costs for this section of coverage are in addition to or outside the policy limit.
- Professional Liability Insurance
Adult day centers must have professional liability insurance. This will insure your employed nurses and provide vicarious liability, which is the liability you have as a principal for the acts of your agents. This would relate to your contracted services, such as contracted physicians. This carries a separate limit of liability. It will not diminish the limits of liability you carry under the general liability coverage section. It can be written on an occurrence or claims-made form. Your agent at Makar Insurance will be happy to explain these two options to you.
- Business Auto Insurance Policy
Business automobile insurance is available for your owned and operated private passenger vehicles, vans, or buses. We can also include coverage for non-owned automobiles used by your employees or volunteers in the course of their duties with your senior care center.
- Crime Insurance Coverage
Another coverage we will suggest is crime insurance coverage insuring against employee dishonesty/theft, forgery, or alteration and loss to money and securities.
- Umbrella Liability Insurance Policy
A higher limit of liability through the purchase of an umbrella liability insurance policy is not only available, but we will also strongly recommend this.
Requirements for Adult Day Care Insurance Coverage:
- Inspection Of Your Center: Due to the nature of your operations, an inspection of the insured premises will be mandatory.
- License Of Your Center: A current copy of your West Hollywood adult day care center license must be accompanied by any brochures or advertising material you use when you submit an application to us.
- Insurance Loss Run Report: Current value loss runs for at least three years is a requirement. However, if you are a new venture, less than one year in business, we will accept a resume of your experience in this service to determine eligibility for this program.