16 Del. C. § 1120: Insurance requirement [Effective Feb. 27, 2027].

(a) A covered long-term care facility must maintain insurance coverage in a minimum amount of $1 million per claim/$3 million in the aggregate each for general liability and professional liability, respectively. These policies must also include abuse and molestation coverage.

(b) A covered long-term facility must, as a condition of receiving and maintaining an active license, certification, or other authority to provide health-care services in this State, furnish proof of the required insurance to the Department.

(c) A covered long-term care facility must provide proof of the required insurance with any application for renewal of such license, certification, or authority.

(d) An insurance company providing coverage to a covered long-term care facility must notify the Department within 14 days of any lapse in or cancellation of coverage for the covered long-term care facility.

(e) Failure to maintain minimum insurance limits under this section will result in revocation of the covered long-term care facility’s license.

(f) This section does not apply to a covered long-term care facility owned and operated by this State.