Commercial Property Insurance

Commercial Property for Residential Care Facilities

A care facility is both a home and a workplace, filled with furnishings, care equipment, kitchen and laundry systems, and resident belongings. Commercial property insurance protects those assets against fire, theft, vandalism, water damage, and other covered perils — whether you own the building or lease it.

What Property Coverage Protects

• Building or tenant improvements: Your structure, or the build-out you added to a leased facility
• Business personal property: Furnishings, beds, lifts, kitchen and laundry equipment, office systems
• Care and medical equipment: Mobility aids, monitoring systems, and durable medical equipment
• Fixtures and signage: Interior and exterior installations

Business Interruption Is Critical

If a fire or covered loss forces you to relocate residents or close temporarily, the income loss can be severe — and you still carry payroll and resident-care obligations. Business interruption coverage replaces lost income and covers extra expenses while you recover, including the cost of temporarily relocating residents.

Coordinating Your Coverages

Property pairs naturally with general and professional liability and management liability. We coordinate the full package so there are no gaps between what's covered on your premises and the liability exposures of resident care.