Senior Living Liability Program2021-07-01T13:04:23-05:00
Senior Living Liability Program
Our Senior Living Liability Program considers single
locations through large, national groups.

Senior Care

  • Skilled Nursing Homes, Sub Acute Homes, Memory Care, Assisted Living, Independent Living, Home Health and Rehab Services
  • Primary Policy
    • Limits up to $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

Coverage Highlights

  • Excess can sit over Auto Liability & Employers Liability
  • Sexual Abuse Coverage
  • Option of Deductible/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

Excess Coverage for All Facilities

  • Limits up to $10M/$10M
  • Follow form excess over PL/GL/EL and AL
  • Option for most favorable venue, silent on punitive damages or discount for exclusion


  • Coverage will be offered where permitted by Everest Indemnity Insurance Company (Everest), an unlicensed or non-admitted insurance company in California, New York, and other jurisdictions.  Everest does not solicit business in those jurisdictions.

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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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