Client: A new 6-bed residential care facility for the elderly (RCFE) in the Fresno area · Coverage: Professional + General Liability ($1M/$3M each), care-specific sublimits · Status: Quoted
The problem
A new elderly care home that was not yet open needed GL, professional liability and abuse coverage before accepting residents. Care-home risks are written by a narrow group of specialty carriers.
How Pierce helped
- Took the risk to a specialty wholesaler and completed the residential-care supplemental (census sections noted as pre-opening)
- Secured a Kinsale quote with $100K/$300K sublimits for abuse, resident falls, elopement and bedsores, plus data breach, HIPAA and evacuation-expense coverage
- Explained claims-made reporting and the bind requirements (state license copy, administrator resume)
- Compared a State Fund workers' comp quote with the client's payroll-service option and recommended staying with payroll-based comp for year one
The result
Quoted professional and general liability at $4,681 a year. Binding is on hold until the facility's state license is issued.
Why it worked
Packaging the care-specific exposures into one specialty policy, and giving straight advice on workers' comp, prepared the owner to open properly insured.
Related coverage
Residential Care Home Insurance (RCFE & Board and Care) · Professional Liability Insurance · General Liability Insurance · Abuse & Molestation Insurance · Workers’ Compensation Insurance in California
Facing something similar? Call 888-391-5981 or request a quote. A licensed agent will review your situation.
Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.