Senior Living Liability Program2022-07-29T11:38:10-05:00

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.

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