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Insurance coverage for higher-risk environments.
Seniors’ residences can be exposed to various risks, such as falls, fires or certain professional responsibilities. There are insurance products that aim to cover these situations, depending on the coverage chosen in the contract.
Why is insurance suitable for seniors’ residences?
- Special responsibilities towards elderly people who are often dependent.
- Healthcare staff who may be exposed to handling or treatment errors.
- Exposure to risks such as fires, water leaks, or other major losses.
- Management of sensitive medications and medical records.
- Presence of regulatory requirements and government certifications to be met.
Recommended guarantees for a seniors’ residence
| Guarantee | Description |
|---|---|
| General Liability | Covers damage caused to third parties, including residents. |
| Professional Liability | Protects against fault in the provision of care or assistance. |
| Fire and water damage insurance | Takes care of damage to buildings and equipment. |
| Business interruption | Compensates for financial losses if the establishment closes temporarily. |
| Cyber Insurance | Protects medical and personal data from cyberattacks. |
Why use an insurance comparison tool for a residence?
The brokers of our partner partner firms have a business insurance comparison service that allows you to obtain several offers quickly, according to the criteria you indicate for your establishment.
IN BRIEF
Seniors’ Residence Insurance (RPA)
Certified RPAs (MSSS) have particular risks: falls of residents, medication errors, abuse, fire (population with reduced mobility), evacuations. High professional liability $5 to $10 million.
To be added: abuse and molestation guarantee, professional liability for nursing staff, and evacuation plan tested annually. MSSS compliance = subscription condition.
Examples of insurers active in the seniors’ residence sector
| Insurers | Available Features |
|---|---|
| Intact Insurance | Products including civil liability and protection against various major losses. |
| Beneva | Programs that can cover certified institutions, with flexible options. |
| Promutuel | Adjustable protections according to the size and needs of the establishment. |
| The Unique | Flexible guarantees with certain prevention measures included in the contracts. |
| Aviva insurance | Products available for different types of residences, small or medium. |
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Une résidence pour aînés doit-elle être obligatoirement assurée?
Yes. Liability insurance is essential to meet legal requirements and protect residents and staff.
Quels sinistres sont les plus fréquents en résidence pour aînés?
The most common are falls, fires, water damage, and errors in care or medication management.
Puis-je couvrir plusieurs bâtiments avec une seule police d’assurance?
Yes, it is possible to group several sites under the same commercial insurance, depending on the insurer.
What are the main coverages of seniors’ home insurance?
What exclusions should I check before signing?
Can I bundle my seniors’ home insurance with my car or home insurance?
How does professional civil liability work?
How long does it take to get a seniors’ residence quote via Assur360?
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