We plan for an environment of uncertain and complex liability exposures and, as a result, we are able to offer comprehensive coverages with increased customization and greater stability.

Our flexible, yet disciplined approach informs our ability to respond to opportunities – even those in historically difficult venues.

We also offer each client access to risk management services. These range from access to highly skilled consultants who can help with policies and procedures to software tools that can track incidents or risk indicators.

We are determined to provide our policyholders with the risk management services that are applicable for their situation.

Coverage highlights:

  • Claims made and occurrence forms available
  • Separate limits for:
    • Professional liability (USD 1 million / USD 3 million)
    • General liability (USD 1 million / USD 3 million)
    • Employee benefits liability (USD 1 million / USD 3 million)
    • Public relations (USD 100,000)
    • Evacuation (USD 100,000)
    • Resident loss of property (USD 5,000 / USD 25,000)
    • Disinfection event expense (USD 25,000)
    • Coverage for the medical director whether they are an employee for direct resident care
    • No minimum earned premium
    • 60 days to report claim following policy expiration

 Excess Coverage:

  • Follow-form and umbrella coverage with limits of up to USD 10 million
  • Stand-alone excess over other carriers

Target Markets:

Not-for-profit and for-profit long-term care entities including independent, assisted and skilled nursing facilities.

Line Size:

Up to USD 10 million   



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