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.