Senior Living / Assisted Living
Depending on the needs and budget of your senior living community, following are coverages policy may include:
Covered Causes of Loss
The Series A protects your owned buildings and residents’ personal property against either basic, broad or special causes of loss.
Systems and Equipment Breakdown Coverage
Mechanical breakdown, artificially generated electrical currents, steam boiler explosion and internal damage to steam boilers are additional covered causes of loss. Among the items covered are your computers, telephone systems, air-conditioning motors, elevators and much more.
Extensions and Additional Coverages
Your Church Mutual policy will automatically provide several coverage extensions and additions, each for which a specific limit of insurance is set based on your budget and needs.
Identity Recovery Case Management and Expense Reimbursement
Identity recovery coverage for your administrator and his or her resident family members is included in your multi-peril policy.
The multi-peril policy provides protection for your:
- Most organizations you control or acquire
- Volunteer workers
This protection applies to your sponsored activities — even if away from your facility — and is provided against claims for negligence involving:
- Bodily injury
- Property damage
- Personal injury
- Advertising injury
Damage you cause to someone else’s facility and for which you are legally liable is also covered for up to a specific limit.
Senior Living Community Liability
Protection applies to your senior living community and its:
- Student nurses
- Other health care professionals
- Social workers
- Medical directors
Coverage includes acts or omissions in the furnishing of nursing, social and similar services that relate to:
- Care of residents
- Handling of the deceased
- Violation of residents’ rights
- Undue influence of employees on residents
Directors, Officers and Trustees Liability
This coverage provides security for your leaders against lawsuits involving their errors and omissions, such as conflict of interest, failure to exercise good judgment and improper use of funds (not available to for-profit organizations).
Employment Practices Liability
This policy protects your senior living community and its directors, officers and employees from lawsuits alleging discrimination, wrongful termination and sexual harassment.
Employee Benefits Liability
This policy provides coverage for unintentional errors in administering your employee benefits program (for example, life, health and retirement programs).
Coverage for theft, destruction and disappearance of money and securities is available as needed on an optional basis to supplement your protection.
Hired and Nonowned Automobiles
These highly recommended liability coverages protect your facility when you rent or borrow a vehicle for use on official business and when vehicles owned and driven by your employees or anyone else are used on the job or on behalf of your senior living community.
This coverage provides protection for loss of net income and continuing normal operating after a covered loss.
Extra expense insurance also is available to help cover additional costs required to continue operations during the restoration period. Examples include renting a temporary facility, office equipment and telephone lines.
Other Important Coverages
Benefits are set by state statute and generally provide financial assistance for wage loss, medical and rehabilitation expenses and survivor benefits for
This coverage provides greater limits of protection for your general liability and professional health care liability exposures in order to protect you against the devastating effects of a large court award.
Coverage includes liability, uninsured/underinsured motorists liability, medical payments (or PIP), collision, comprehensive and emergency road service.
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