AMBestadultdaycare分析和总结分析和总结.docx

AdultDaycareCenters

AdultDaycareCenters

Original:7/97

Line Bests

HazardIndex

UnderwritingComments

AUTOMOBILELIABILITY

4

AUTOMOBILEPHYSICALDAMAGE

--

GENERALLIABILITY

5

PRODUCTLIABILITYANDCOMPLETEDOPERATIONS 5

PROFESSIONALLIABILITY

5

ENVIRONMENTALIMPAIRMENT

LIABILITY --

WORKERSCOMPENSATION

5

CRIME

2

FIREANDE.C.

3

BUSINESSINTERRUPTION

6

INLANDMARINE

3

BOILERANDMACHINERY

--

Low1-3,Medium4-6,High7-9,VeryHigh10

Higherifinsuredprovidestransportation.

Lowerifclientsprovidetheirownfood;higherforcentersstaffedwithvolunteers.

Higherinolderbuildings.

Immediateavailabilityofreplacementspacecritical.

SIC

SICCode

8052

8059

8322

8641

SICClassification

IntermediateCare

NursingandPersonalCare,NECIndividualandFamilySocialServicesCivic,Social,andFraternalAssociations

ISO

ISOCode

44431

44437

61000

ISOClassification

HealthCareFacilities-HomesfortheAged

HealthCareFacilities-HomesforthePhysicallyDisabled/OrphansBoardingorRoomingHouses

SpecialExposures

SwimmingpoolsInadequatefoodstorage

Clientabuse

Multi-levelfacilitiesPrescriptionmedications

RelatedClassifications

DaycareCentersHospiceFacilitiesNursingHomes

OutpatientHealthCareFacilitiesSpeechLanguagePathologists

RISKDESCRIPTION

Throughoutlife,wearetaskedwiththeresponsibilityofcaringforourfamilies.Aswegetolder,thatresponsibilityoftenincludescaringforaparentorspouse,orfunctionallyorcognitivelyimpairedsiblingsorchildrenwhohavereachedtheageofmajority.Illnessanddisabilitycancauseadifficultsituationtobecomeimpossible;thestressesofeverydaylife-financialpressure,employedcaregivers,costsoffamilycare-overloadusandmaketheresponsibilityoffamilycareevenmorechallenging.Mostpeoplewhocareforinfirmfamilymembersfeelastrongsenseofobligationanddesiretokeeptheirlovedonesoutofinstitutionsandinahomeenvironment.Manypeopleinthe1990s