Van fleet accidents. Wandering participants. Medication administration. You are managing a highly vulnerable population from their front door, through your facility, and back home again.
You transport elderly and cognitively impaired adults, manage their daily activities, handle their meals, and administer their medications. It is a complex blend of fleet logistics and specialized caregiving.
Most adult day care programs we review are written on generic small-business forms that completely miss the transit and supervision reality. When a participant unbuckles their seatbelt in transit, or wanders out of the dining hall, standard commercial policies often contain hidden exclusions for "medical transport" or lack the professional liability needed to cover supervision standards.
The exposures in adult day care stretch from the van ride to the activity room. Each one requires a specific coverage mechanism.
| The Exposure | Coverage That Responds | What It Protects | Financial Exposure |
|---|---|---|---|
| Participant Transit Liability. Your driver is transporting participants in a modified 15-passenger van. A sudden stop causes a frail participant to fall from their seat, sustaining severe injuries. | Commercial Auto (Passenger Transport) | Medical costs and liability for participant injuries during loading, transit, and unloading. | $280K–$500K |
| Elopement & Supervision Exposure. A participant with dementia wanders out an unsecured side door during a busy activity period. They are injured off-property. | General Liability + Professional Liability | Premises liability for the unsecured door, plus professional liability for the breached standard of care. | $400K–$800K |
| Unlicensed Medication Handling. An aide administers the wrong dosage of a participant's daily medication, resulting in a medical emergency and hospitalization. | Professional Liability (Medication Management) | Coverage for medication errors made by facility staff under your operating protocols. | $150K–$350K |
| A&M Facility Exposure. A family notices bruising on a non-verbal participant and alleges inappropriate handling by a staff member during restroom assistance. | Abuse & Molestation (A&M) with Dedicated Limits | Dedicated $1M limit for abuse allegations, separated from your general liability aggregate. | $500K–$1M+ |
30-minute call. Walk us through your vans, your participant census, and your facility layout. We'll tell you exactly where your current policy breaks—and what a claim would actually cost.