Coronavirus Update: Click to read an important message from MiniCo.
Get A Quote
Adult-Residential Facility Insurance

Coverage Highlights

Property Enhancements

  • Foundations and underground pipes – included
  • Business personal property – within 2,000 feet
  • Debris removal – $50,000
  • Preservation of property – 90 days
  • Fire department service charge – $50,000
  • Pollutant clean-up and removal – $50,000
  • Ordinance or law, undamaged portion of the building – building limit
  • Ordinance or law, demolition cost – $500,000
  • Ordinance or law, increased cost of construction – $500,000
  • Automated external defibrillators (AEDS) – $10,000
  • Business income and extra expense (includes civil authority and contingent business property) – $25,000
  • EDP equipment and media – $25,000
  • Emergency vacating expense – $25,000
  • Fine arts – $50,000
  • Fire extinguisher recharge – $25,000
  • Green consultant expense coverage – $5,000
  • Key replacement and lock repair – $25,000
  • Lease cancellation moving expenses – $10,000
  • Mobile medical equipment – $15,000
  • Pairs, sets, or parts – amended
  • Residential room reserve – $100,000
  • Reward reimbursement – $75,000
  • Spoilage 2,000 feet – $50,000
  • Tenant glass – $15,000
  • Newly acquired or constructed property, buildings – $1,000,000
  • Newly acquired or constructed property, business personal property – $500,000
  • Personal effects – $50,000
  • Property of others – various
  • Valuable papers and records (other than electronic data) – $100,000
  • Property off-premises, including stock – $500,000
  • Outdoor property – $50,000
  • Non-owned detached trailer – $25,000
  • Accounts receivable – $100,000
  • Garages/storage sheds – $5,000
  • Inventory and appraisals – $50,000
  • Marring or scratching – included
  • Money and securities – $5,000
  • Movement of your business personal property – included
  • Newly acquired locations—business income and extra expense – $25,000
  • Retaining walls – $15,000
  • Worldwide property off-premises – $25,000
  • Vacancy provisions modification – 90 days
  • Dampness/extremes of temperature – exclusion removed
  • Precious metals – $25,000
  • Water coverage – $30,000 per occurrence/$60,000 annual aggregate
  • Property in transit (includes common carrier) – $100,000 ($10,000)
  • Water damage, other liquids, powder or molten material damage – amended
  • Off premises power failure – $50,000
  • Extended business income – 180 days
  • Utility services (business income and extra expense coverage) – included

Liability Enhancements

  • Extended property damage – included
  • Limited rental lease agreement contractual liability – $50,000 limit
  • Liquor liability exception to the exclusion – included
  • Non-owned watercraft – less than 65 feet
  • Damage to property caused by client – $30,000 limit
  • Damage to premises rented to you – $1,000,000
  • Athletics activities – amended
  • Supplementary payments, bail bonds – $5,000
  • Supplementary payment, loss of earnings – $1,000 per day
  • Employee indemnification defense coverage – $25,000
  • Key and lock replacement, janitorial services customer coverage – $10,000 limit
  • Additional insured, medical directors and administrators – included
  • Additional insured, managers and supervisors (with fellow employee coverage) – included
  • Additional insured, broadened named insured – included
  • Additional insured, funding source – included
  • Additional insured, managers, landlords, or lessors of premises – included
  • Additional insured, lessor of leased equipment – included
  • Additional insured, grantor of permits – included
  • Additional insured, vendor – included
  • Additional insured, franchisor – included
  • Additional insured, when required by contract – included
  • Additional insured, owners, lessees, or contractors – included
  • Additional insured, state or political subdivisions – included
  • General aggregate limit per location – included
  • Duties in the event of occurrence, claim or suit – included
  • Knowledge of occurrence – included
  • Unintentional failure to disclose hazards – included
  • Transfer of rights of recovery against others to us clarification liberalization – included
  • Bodily injury, includes mental anguish – included
  • Personal and advertising injury, includes abuse of process, discrimination – included
  • Broadened definition of advertising injury, includes televised, videotaped or internet-based publication – included