5 Reasons for Intermediate Care Facilities to Consider Comprehensive Insurance Protection


Business Insurance / Tuesday, May 18th, 2021

An intermediate care facility, referred to as an ICF or residential care facility, is a popular alternative to continuous skilled nursing care. An ICF is a long-term care facility that provides care for residents under physicians’ directions. Intermediate care facilities are smaller, lower-level nursing care programs usually accommodating 8 to 15 residents. Residential care facilities are designed for individuals who are disabled, elderly or non-acutely ill. Employees help residents with daily tasks, such as meals, housekeeping and delivery of medication.

Specialists in insurance solutions for the healthcare industry offer expertly crafted plans for a residential care facility to address the following risks:

1. Professional Liability

In addition to regularly scheduled staff, ICFs may employ visiting nurses, physical therapists, social workers and dietitians. A tailored insurance strategy protects the facility from errors and omissions incurred by employees while performing professional services.

2. General Liability

Comprehensive insurance covers physical risks, including property damage and bodily injuries suffered, for example, by a resident in an accidental fall.

3. Employee Benefits Liability

A broad, inclusive policy structure guards ICFs against claims of employee discrimination or harassment.

4. Allegations of Patient Mistreatment

Claims of resident abuse are covered, including sexual misconduct.

5. Data Breaches

Risk management prevents financial and sensitive privacy information liabilities as a result of cyber theft.

ICFs are dedicated to those who are approaching their final years and need a safe environment and routine. A residential care facility offers supportive care for our most fragile citizens. Intermediate care establishments deserve robust insurance protection to continue to serve our elder communities compassionately and competently.