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24 Jul How Can General Liability Insurance Protect Your Adult Day Care Center?
Specialized businesses face specialized risks, and one of the best things you can do to mitigate those risks is to have a strong insurance plan. Different elements of insurance coverage for your adult day care center, from professional liability insurance to abuse and molestation coverage, can help you respond to claims and even civil suits that can happen to even the most tightly run businesses, and adding a supplementary policy for general liability can help cover your business for incidents and damages that can crop up.
What is the value in having excess liability insurance?
Insurance isn’t just for when your equipment is damaged or an employee gets injured. If you and your employees are acting in a professional capacity, such as giving specialized care or medical advice, then you can be held responsible for any damages that result to your patient or a third party because of your services.
General liability insurance covers the larger categories of liability claims for property damage and bodily injury, as well as personal injury or advertising-related claims. Having general liability insurance can help you keep you covered in the event of accidents at your premises or even special occasions like a fund-raiser or if you’re advertising at a local event. Not only does commercial general liability apply to a wide range of circumstances that an adult day care center can face, it helps pay for a wide range of associated costs such as legal defense, investigations, and any damages.
If you’re not sure about the state of your insurance coverage, talk to one of our experts at Evolution Insurance Brokers. We can walk you through the best policies for your specific center and how the right insurance plan can give your business security.