SENIOR LIVING LIABILITY PROGRAM

Senior Living Liability Program2021-09-27T15:09:15-05:00

Coverage Features & Benefits

Coverage Highlights:

  • Primary Policy
    • Limits up to $1M / $3M / $10M
    • Operators or Property Owners Policies
  • Excess Limits up to $10M
    • Follow Form of Primary Policy
  • Stand Alone Extended Reporting Periods
    • Refreshed Liability Towers
    • First Dollar Coverage
  • Excess can sit over Auto Liability & Employers Liability
    • Sexual Abuse Coverage
    • Deductibles/Retention
    • Separate Towers for Professional & General Liability
    • Limits apply on a per Location Basis

Coverage Extensions:

  • Occurrence General Liability Available
  • Stop-Gap Employers Liability
  • HIPAA Civil Fines & Penalties
  • Media Expense Coverage
  • Evacuation Expense
  • Evacuation Criminal Defense Coverage
  • Administrative Defense Coverage
  • Legal Expenses Coverage
  • Named Insured Omnibus Language
  • State Specific Limits Endorsements
  • Most Favorable Venue Option

Target Market: 

  • Senior Living Facilities across the U.S. including:
    • Skilled Nursing Homes
    • Sub-Acute Nursing Homes
    • Memory Care Facilities
    • Assisted Living Communities
    • Independent Living Communities
    • Home Health and Rehab Services

The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.

Legal  |  Privacy
Sapphire Blue is a series of RSG Underwriting Managers, LLC, a Delaware limited liability company based in Illinois. RSG Underwriting Managers, LLC, is a subsidiary of Ryan Specialty Group, LLC (RSG). Sapphire Blue works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be 9 available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Insurance Services, LLC License #0E50879. ©2021 Ryan Specialty Group, LLC