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Residential Care Facilities for the Elderly (RCFE)

Coverage available for residential care facilities with 1 to 6 beds.

Long term residential care facilities need an innovative product that will provide the broadest coverage for their exposures. These facilities are in more demand than ever as the ‘Baby Boomer’ generation enters retirement at a record pace.

Residential care facilities need a robust and cost efficient insurance policy that addresses their evolving risk.

While other carriers are limiting coverages for Sexual Abuse, Elopement and Bedsores, NAS provides all these coverages up to the limit, including Employee Benefits and Defense Outside the Limit options. 

In 2012, nine million men and women over the age of 65 needed long-term care. By 2020, 12 million older Americans will need long-term care.

Matthew Thoburn
Assoc. Vice President
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Brian Alva
Vice President
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  • Limits up to:

          $1,000,000 each claim

          $3,000,000 aggregate

  • Min premium $1,500
  • Min SIR $1,000
  • Coverage available in all states (except AK)
  • Sexual Misconduct up to the limit of liability
  • Employee benefits up to the limit of liability
  • Defense outside the limit included
  • Extended Reporting Period up to 3 years available
  • No bedsore nor elopement limitations

Eligible Classes

  • Personal Care Homes
  • Independent Living Facilities
  • Residential Care/Assisted Living Facilities
  • Alzheimer’s/Dementia Care

July 1, 2015 Deadline

California Requirement for Liability Coverage

California Assembly Bill 1523 requires Residential Care Facilities for the Elderly (RCFEs), by July 1, 2015, to maintain either liability insurance in an amount of at least $1 million dollars per occurrence and $3 million in the annual aggregate for the purpose of covering injury to residents and guests caused by the negligence of the licensee or its employees.

Have An Existing Program?

If you have a program in place with long term care facilities and want to bring it online with NAS, contact Matthew Thoburn, Senior Underwriter at