Program Highlights

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Provides miscellaneous professional and general liability coverage for a wide range of adult and elderly residential facilities.

• Limits up to $2M / $6M 
• Minimum Deductible: $2,500
• Minimum Premium: $2,250

• Professional Liability offered on a Claims-Made basis
• General Liability offered on a Claims-Made or Occurrence basis
• Coverage through an A.M. Best "A" rated international specialty insurer
• Dual Towers/Separate PL and GL Aggregate Limits (with the option for a shared PL and GL aggregate limit for a credit)
• Employees automatically included in the definition of Insured
• Independent Contractors, Volunteers and Students can be included upon request

• Sexual Misconduct Coverage up to $1M / $3M
• Hired & Non-Owned Auto Liability up to $1M / $3M
• Employee Benefits Liability up to $1M
• HIPAA sub-limit up to $250,000
• Privacy Reimbursement sub-limit up to $250,000
• Legal/Media Event Expense sub-limit up to $50,000
• Theft Coverage sub-limit up to $100,000
• Defense Outside the Limits up to $1M
• Evacuation Expenses sub-Limit up to $50,000
• Disciplinary Proceedings sub-limit up to $25,000
• First Dollar Defense Coverage
• Punitive Damages Coverage available (where insurable)

• Alaska
• Hawaii

• Alaska
• Los Angeles, Orange, Riverside, San Bernardino, Sacramento counties in California
• Miami-Dade, Broward and Palm Beach counties in Florida
• Hawaii
• Cook, Lake, St Clair, McHenry, Madison, and Will counties in Illinois
• New Mexico

         NOTE: Certain counties in Florida are capped at lower limits of $100K/$300K only