Common questions about Senior centers
Answering the most frequently asked questions about Senior centers.
Does serving meals create exposure?Gravity Certs2026-08-17T22:56:55-04:00
Yes. Food service adds product liability, and it should be disclosed.
Are volunteers covered?Gravity Certs2026-08-17T22:56:54-04:00
General liability usually covers claims against them. Volunteer injuries typically fall outside workers’ comp.
Do we need professional liability?Gravity Certs2026-08-17T22:56:53-04:00
If you provide wellness, referral or case management services, yes. General liability doesn’t cover those.
Are falls our biggest exposure?Gravity Certs2026-08-17T22:56:52-04:00
Yes. Slip-and-fall severity is materially higher in this population than in general premises risk.
Are we covered transporting members?Gravity Certs2026-08-17T22:56:52-04:00
Commercial auto for owned vehicles, hired and non-owned for volunteer drivers. Both usually apply.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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