The most the insurer will pay for loss or damage in any one occurrence is the limit of insurance stated in the policy declarations. Limits are stated for each location. Claims are settled on an Actual Cash Value basis.
Q: What does long term care/nursing home insurance include?
A: We have programs for Long Term Care Insurance that include professional liability insurance on a claims made basis and general liability insurance on an occurrence basis, coverage for physical/sexual abuse, defense costs outside or inside the policy limits, punitive damages coverage where allowable by law, evacuation expense reimbursement coverage, first dollar coverage available (no deductible or SIR), higher deductible/SIR options available, coverage provided for medical director, resident property coverage, employee benefits liability coverage, coverage for barbers and beauticians, coverage for violation of resident rights, umbrella or excess liability up to more than $25,000,000 available.
- Skilled Nursing Facilities
- Intermediate Level Care Facilities
- Personal Care Homes
- Assisted Living Facilities
- Independent Living Facilities
- Retirement Apartments
- Residential Care Facilities
- Continuing Care Retirement Communities
- Minimum premiums of $3,500
- “A” Rated Carriers
- Coverage available in all states
- Competitive Pricing