Assisted & Independent Living Facilities, Skilled & Intermediate Care Facilities, Retirement Apartments & Continuing Care Retirement Communities

Insurance For Assisted And Independent Living Facilities

As the “Baby Boomer” generation in this country starts to age, senior care, as we know it, is in for quite a change in how that care is administered. In fact, this group will want a significant amount of input into where they will reside and what their surrounding environment will be. This generation will demand more choices that may not be currently available from their assisted living facilities including the level of services to the type of residences they will live in, and a much higher level of service will be a must. In addition, with their increased tech skills, they will demand top-notch technological services.

The Importance Of Having The Right Insurance Program In Place

Whether your company is involved in the area of an Assisted Living Facility, Independent Living Facility, Intermediate Care Facility, Personal Care Homes, Resident Care Facility, Skilled Nursing Facility, or Continuing Care Retirement Community Facility, having the right insurance program in place in light of these new advances in care could spell the difference of surviving a claim or closing your business due to one.

At PJO Insurance Brokerage we have programs for Long Term Care Insurance that includes California Professional Liability Insurance on a claims made basis, and California General Liability Insurance on an occurrence or claims made basis, coverage for physical/sexual abuse, defense costs outside or inside the policy limits, punitive damages coverage where allowable by law, and evacuation expense reimbursement coverage. In addition, there is first dollar coverage available (no deductible or SIR), higher deductible/SIR options available, and other coverages which include coverage for the medical director in Orange County, resident property coverage, employee benefits liability coverage, coverage for barbers and beauticians, and coverage for violation of resident rights. We also have access to various markets for OC umbrella coverage up to $25,000,000.

Key Areas Of Coverage

Below are some key areas of coverage where PJO Insurance Brokerage can help you design an insurance program to protect your California operation:

• General Liability for your Orange County company
• Professional Liability Coverage in California
• Commercial Property Insurance
• OC Workers Compensation
• Sexual Misconduct
• CA Cyber Liability
• Crime/Fidelity

Also, there are several additional coverages that your California company should seriously consider such as: Earthquake Coverage, Flood Coverage, Computer Fraud, Forgery Coverage, Fine Arts, Employment-related Practices Liability, Directors & Officers Liability, and Fiduciary Liability. If your California company would like to explore the insurance coverages available or would like to discuss putting together a complete insurance program, please call the experienced and professional brokers at PJO Insurance Brokerage.

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