3824.1 Each MHCRF shall carry insurance for at least the following:

(a) Hazards (fire and extended coverage), in the amount of five hundred dollars ($500) per resident to protect belongings with a minimum of two thousand dollars ($2,000) of coverage per facility;

(b) Premises, personal injury and products liability for at least the following:

(1) One (1) to two (2) beds for one hundred thousand dollars ($100,000) per occurrence;

(2) Three (3) to nine (9) beds for three hundred thousand dollars ($300,000) per occurrence; and

(3) Ten (10) or more beds for five hundred thousand dollars ($500,000) per occurrence; and

(c) Incidental malpractice coverage in respect only of duties required of a Residence Director or staff member for a limit of at least one hundred thousand dollars ($100,000).

3824.2 If the MHCRF is not owned by the operator, the operator shall obtain proof of the owner's premises liability coverage, such as a certificate of standard landlord coverage, or shall place the owner on the operator's policy as an additional named insured.

SOURCE: Final Rulemaking published at 42 DCR 569, 593 (January 27, 1995).