R. Squared Enterprises employed Kimberly to help Dennis Pinto who had dementia. The day after she was hired, she drove the Pinto family auto to a restaurant so she and Dennis could have lunch. Kimberly left the restaurant intoxicated and drove the vehicle into a tree, causing serious injuries to Dennis. It was later discovered that this was Kimberly's third alcohol-related offense.

The Pinto family sued R. Squared Enterprises. R .Squared requested coverage from both its auto and CGL carriers. One carrier defended and paid but the other refused.

Click here to see why.

Many working adults take on the responsibility of caring for a spouse, parent, or adult child with dementia or some other condition that limits them. These caregiver adults become the advocates and, as such, must make many decisions regarding care. In the Pinto case, a caregiver came into the home. Other families choose Adult Day Care Centers.

Click here to review the Producer's Commercial Lines Risk Evaluation System Narrative on Adult Day Care Centers.

The Insurance Services Office (ISO) has developed a classification for adult day care centers that tracks well with its children's day care classification. Have you ever wondered how to classify a risk that offers both adult and children's day care?

Click here to review a PF&M Classifying Risk article about Day Care.

There may be times when an adult must transition from living at a home with a family member to living at an assisted living facility. That adult has property and liability issues that must be addressed.

Click here to review a PF&M article on how appropriate coverage can be provided.