Grayson Underwriting

Residential Facilities

Miscellaneous professional and general liability coverage for a wide range of adult and elderly residential facilities.

Our Capabilities

Limits up to$2 million / $6 million
Minimum deductible$1,000 — $2,500 quoted as standard
Minimum premium$2,250

Product Highlights

  • Professional Liability offered on a claims-made basis
  • General Liability offered on a claims-made or occurrence basis
  • Coverage through an A.M. Best “A” rated international specialty insurer
  • Dual towers — separate Professional Liability and General Liability limits, with the option for a shared limit for a credit
  • Separate limits per location available upon request
  • Employees automatically included in the definition of Insured
  • Independent contractors, volunteers and students can be included upon request

Coverage Enhancements Available

  • Sexual Misconduct sub-limit — up to $1 million / $3 million
  • Hired and Non-Owned Auto sub-limit — up to $1 million / $3 million
  • Employee Benefits Liability — up to $1 million / $3 million
  • Health Insurance Portability and Accountability Act sub-limit — up to $250,000
  • Privacy Reimbursement sub-limit — up to $50,000
  • Legal and Media Event Expense sub-limit — up to $50,000
  • Theft coverage sub-limit — up to $100,000
  • Defense Outside the Limits — up to $1 million
  • Evacuation Expenses sub-limit — up to $50,000
  • Disciplinary Proceeding sub-limit — up to $25,000
  • First Dollar Defense
  • Punitive Damages, where insurable

Eligible Risks

Writes

  • Adult group homes (developmentally disabled and/or mentally ill)
  • Assisted living facilities
  • Halfway houses and sober living homes (adults only)
  • Independent living facilities
  • Residential hospices
  • Residential mental health and substance abuse facilities, with or without detox
  • Transitional living (adults only)

Ineligible Risks

  • Youth residential facilities
  • Nursing homes and skilled residential nursing facilities
  • Hospitals
  • Residential facilities for ex-offenders

Ineligible Territories

All residential

  • Alaska
  • Hawaii

Assisted living for the elderly only

  • Alaska
  • Hawaii
  • New Mexico
  • Los Angeles, Orange, Riverside, San Bernardino and Sacramento counties in California
  • Cook, Lake, St Clair, McHenry, Madison and Will counties in Illinois

Certain counties in Florida are capped at lower limits of $100,000 / $300,000 only.

Downloads

Other Programs Available

Coverage summaries on this page are for reference only and should not be used as a substitute for thorough review of the policy forms and endorsements. Please refer to policy forms, endorsements and state-specific wording. Nothing here binds coverage or constitutes an offer to insure. Have a question we haven’t covered? Get in touch →