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.

Target Classes

  • No more than four non-ambulatory clients
  • Owner-operated licensed homes in AZ, CA, 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

For more information, download our flyers.

Key Contacts

New York

Michele Ware

Vice President

Katie Baierlein

Senior Underwriter

Washington

Vince Terlaje

Executive Vice President

Sherri Sheidler

Assistant Vice President

Diane Machado

Underwriter