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Nursing Homes

Professional and Commercial General Liability Insurance : A product to meet the needs of skilled, assisted and independent Long Term Care (LTC) facilities.

 

CareSuranceTM is a Lloyd’s product that is designed to meet the needs of skilled, assisted and independent Long Term Care (LTC) facilities.

 

CareSurance provides:

  

  • Professional and General Liability (including Products and Completed Operations Liability).

 

  • Sexual Misconduct and Physical Abuse Liability.

 

  • Employee Benefits Liability.

 

  • Tenants’ Liability.

 

  • Medical Expenses cover.

 

  • An incident sensitive trigger—a lawsuit does not have to be brought against the client for the policy to respond—it responds to any incidents which could give rise to a claim.

 

 

 

Limits:

Up to $5,000,000 per claim and $15,000,000 in the aggregate per nursing home.

 

Deductible:

As low as $10,000 depending upon the details of the underlying insurances. We can also consider excess layers.

 

Coverage:

Worldwide

 

 

 

 

CareSurance includes a risk management program that will make your client a better risk and it will also increase their Medicare reimbursement by an average of $1,000 a month.