Delaware care facilities must carry liability insurance

Covered facilities must maintain general and professional liability insurance, including abuse and molestation coverage. Covered facilities are nursing facilities, assisted living facilities, and group homes for people with mental illness. Each type of insurance must provide at least $1 million per claim and $3 million in total coverage. Facilities owned and operated by the State are exempt. A facility that fails to maintain the required minimum coverage will have its license revoked. The requirement takes effect 180 days after enactment.

Covered facilities must give the Department proof of insurance, and their insurers must report coverage lapses or cancellations. The proof requirement applies to covered facilities; the notice requirement applies to insurers providing their coverage. Facilities must provide proof to get or keep authority to provide health care in Delaware and with each renewal application. These requirements take effect 180 days after enactment.