ADULT RESIDENTIAL FACILITY INSURANCE

Adult Residential Facility Insurance

MiniCo offers an exclusive program for adult foster homes/adult residential facilities that provides property and liability coverage designed to address the unique exposures facing these operations. As an industry pioneer, MiniCo has been a value provider in creating tailored insurance programs for these operations for over 30 years and has specialized expertise in underwriting adult residential facilities.

This program is underwritten in-house through a top rated non-admitted carrier.

Group Of Cheerful Senior Friends Having An Outdoor Lunch In The

Target Classes

No more than four non-ambulatory clients
Owner-operated licensed homes in AZ, CA, NV, OR, and WA
Three years in business

Coverage Highlights

Property Enhancements

Liability Enhancements

Accounts receivable – $100,000
Automated external defibrillators (AEDS) – $10,000
Business income and extra expense (includes civil authority and contingent business property) – $25,000
Business personal property – within 2,000 feet
Dampness/extremes of temperature – exclusion removed
Debris removal – $50,000
EDP equipment and media – $25,000
Emergency vacating expense – $25,000
Extended business income – 180 days
Fine arts – $50,000
Fire department service charge – $50,000
Fire extinguisher recharge – $25,000
Foundations and underground pipes – included
Garages/storage sheds – $5,000
Green consultant expense coverage – $5,000
Inventory and appraisals – $50,000
Key replacement and lock repair – $25,000
Lease cancellation moving expenses – $10,000
Marring or scratching – included
Mobile medical equipment – $15,000
Money and securities – $5,000
Movement of your business personal property – included
Newly acquired locations—business income and extra expense – $25,000
Newly acquired or constructed property, buildings – $1,000,000
Newly acquired or constructed property, business personal property – $500,000

Non-owned detached trailer – $25,000
Off premises power failure – $50,000
Ordinance or law, demolition cost – $500,000
Ordinance or law, increased cost of construction – $500,000
Ordinance or law, undamaged portion of the building – building limit
Outdoor property – $50,000
Pairs, sets, or parts – amended
Personal effects – $50,000
Pollutant clean-up and removal – $50,000
Precious metals – $25,000
Preservation of property – 90 days
Property in transit (includes common carrier) – $100,000 ($10,000)
Property of others – various
Property off-premises, including stock – $500,000
Residential room reserve – $100,000
Retaining walls – $15,000
Reward reimbursement – $75,000
Spoilage 2,000 feet – $50,000
Tenant glass – $15,000
Utility services (business income and extra expense coverage) – included
Vacancy provisions modification – 90 days
Valuable papers and records (other than electronic data) – $100,000
Water coverage – $30,000 per occurrence/$60,000 annual aggregate
Water damage, other liquids, powder or molten material damage – amended
Worldwide property off-premises – $25,000

Additional insured, broadened named insured – included
Additional insured, franchisor – included
Additional insured, funding source – included
Additional insured, grantor of permits – included
Additional insured, lessor of leased equipment – included
Additional insured, managers and supervisors (with fellow employee coverage) – included
Additional insured, managers, landlords, or lessors of premises – included
Additional insured, medical directors and administrators – included
Additional insured, owners, lessees, or contractors – included
Additional insured, state or political subdivisions – included
Additional insured, vendor – included
Additional insured, when required by contract – included
Athletics activities – amended
Bodily injury, includes mental anguish – included
Broadened definition of advertising injury, includes televised, videotaped or internet-based publication – included
Damage to premises rented to you – $1,000,000

Damage to property caused by client – $30,000 limit
Duties in the event of occurrence, claim or suit – included
Employee indemnification defense coverage – $25,000
Extended property damage – included
General aggregate limit per location – included
Key and lock replacement, janitorial services customer coverage – $10,000 limit
Knowledge of occurrence – included
Limited rental lease agreement contractual liability – $50,000 limit
Liquor liability exception to the exclusion – included
Non-owned watercraft – less than 65 feet
Personal and advertising injury, includes abuse of process, discrimination – included
Supplementary payment, loss of earnings – $1,000 per day
Supplementary payments, bail bonds – $5,000
Transfer of rights of recovery against others to us clarification liberalization – included
Unintentional failure to disclose hazards – included