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Senior Care Insurance

Designed for Assisted living, Nursing Homes, and Retirements Communities.

Program Highlights

Do you know what kind of policy you have? It's either an Occurrence Form or a Claims-Made form. To learn more about the Occurrence Form vs. the Claims-Made Form, click the Claims-Made Form link at the left.

Program Highlights for
Assisted Living, Nursing Homes, Retirement Communities

Occurrence Form policies with the following coverages are available:

  • $1,000,000/$3,000,000 General Liability limits
  • $1,000,000/$3,000,000 Professional Liability limits
  • $5,000 deductibles up to $50,000
  • $1,000,000 Abuse Limits
  • Defense Costs outside the limits
  • Punitive Damages
  • Employee Benefits Liability

Claims-Made policies with the following coverages are available:

  • $1,000,000/$3,000,000 General Liability limits
  • $1,000,000/$3,000,000 Professional Liability limits (separate or inside limits)
  • $0 deductibles up to $500,000
  • $1,000,000 Abuse Limits
  • Employee Benefits Liability

Umbrella policies (or Excess Liability) are usually available with limits from $1,000,000 up to $10,000,000.

Program Highlights for
Non-Profit Specialty Program

Occurrence Form or Claims-Made policies with the following coverages are available:

General Liability

  • $1,000,000/$3,000,000 General Liability Limits & Professional Liability Limits
  • $1,000,000/$1,000,000 Employee Benefit Liability
  • $1,000,000/$1,000,000 Errors & Omissions (Directors & Officers, EPLI, etc.)
  • $100,000/$ 100,000 Employee Fidelity (Crime, Fiduciary, etc.)
  • Sexual Misconduct
  • Defense Costs Outside The Limits
  • Punitive Damages

Property

  • $1,000,000 Earthquake
  • $1,000,000 Flood
  • $1,000,000 Extra Expense
  • $1,000,000 Accounts Receivable
  • $500,000 Debris Removal
  • $500,000 Demolition and Increased Cost of Construction
  • $50,000 Money and Securities
  • $50,000 Valuable Papers and Records
  • $1,000,000 Property in the Course of Construction
    (Full Contract Values not to Exceed)