General Liability Insurance

Does General Liability for Senior Living Facilities cover Evacuation Expenses for Natural Disasters?

The Evacuation Expense Endorsement is an essential addition to General Liability policies for senior living facilities. It provides coverage for the costs associated with relocating residents in the event of a natural disaster or emergency. This endorsement ensures that facilities can cover critical evacuation expenses, such as transportation, temporary housing, and medical care, without facing financial strain.

Often bundled with other critical coverages like disinfectant coverage, public relations, and crisis management, the Evacuation Expense Endorsement offers comprehensive protection during times of crisis.

Key Benefits:

• Transportation Costs: Covers expenses for moving residents to safer locations, including buses, ambulances, and, in extreme cases, air transport.
• Temporary Housing: Ensures that residents can be housed in alternative facilities, hotels, or other safe locations, covering both the cost of accommodations and essential medical support.
• Medical Support: Helps maintain continuity of care for residents with specific medical needs, ensuring that oxygen, medications, and other treatments are available throughout the evacuation.

Additional Endorsements:

1. Disinfectant Coverage: Protects against the costs associated with sanitizing and disinfecting facilities after an outbreak or contamination event, ensuring a safe environment for residents to return.
2. Public Relations and Crisis Management: Provides assistance with managing communication, both internally and externally, during a crisis. This includes handling media relations and maintaining the facility’s reputation during and after an emergency.

This combination of coverages ensures that senior living facilities are not only able to evacuate residents safely but also manage the broader impacts of an emergency, from public perception to returning the facility to normal operations post-crisis.

Adding this endorsement to a General Liability policy is crucial for facilities in areas prone to natural disasters or other emergencies, ensuring that they can meet their legal obligations and regulations for resident evacuation, while protecting the well-being of their residents.

For more information, see:

• Why Senior Living Facilities Must be Prepared for the Unthinkable 
• Assisted Living Regulations for Resident Evacuation

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Our general liability coverage program is the best in the industry, with “A” rated carriers, flexible packages and $10 million in excess capacity.