Professional & General Liability Insurance for:

Skilled Nursing Facilities

Assisted Nursing Facilities

Continuing Care/Retirement Communities

Independent Living Facilities

• Claims Made & Reported Coverage Forms (includes an awareness clause)

• “A” rated carrier

• Coverage available in most states

• Coverage enhancements include: Punitive Damages and Defense Outside the Limit

• Silent on sexual abuse
• Low limits available in most states

For more information come and connect with me on CompleteMarkets.com for weekly updates or call us at 800-833-8803 and let U.S. Risk help you with all your Long Term Care Insurance needs today!

The business environment for health care organizations is challenging. With health care reform on the horizon and the current economic environment still uncertain, your clients in the health care industry need to know their workers’ compensation needs are met. UPA offers a specialized team of underwriters who understand the health care industry. Target customers    - Home healthcare    - Temporary medical staffing    - Physician or dentist and clerical    - Hospital (professional and all other employees)    - Home, public and traveling healthcare    - Retirement, living centers*    - Convalescent or nursing home*    - *Nursing home and assisted living operations must be greater than $75,000 and will be underwritten on an account-by-account basis. Underwriting guidelines Manual unmodified premium starting at $3,000 Experience modification factor between 0.65 - 1.49
States Available	AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI
Provider Type	Managing General Agency
Admitted	All Available States
Carriers	Multiple Carriers
Carrier Ratings	A-rated
Commission	Varies based on productivity

For more information come and connect with me on CompleteMarkets.com for weekly updates, or visit our Heathcare Services Workers Compensation Insurance storefront.

Now offering the "total account" package. The U.S. Risk Health Care team has expanded its healthcare capabilities. We now offer a "total account package" as well as a risk management/loss control component as a solution to our customers by providing comprehensive admitted and non-admitted coverage which is specifically designed for those organizations that provide medical or healthcare related services to a wide range of clients. Lines of Coverage Available Professional and General Liability Property Inland Marine Auto Liability and Physical Damage Garage Keepers Liability Environmental Liability Healthcare Data Breach Liability Excess Liability Management Liability (Directors and Officers, EPLI, Fiduciary) Target Classes of Business Including but not limited to the following: Nursing Homes Assisted Living, Independent Living and CCRC's Social Services (for profit and not for profit) Miscellaneous Healthcare (adult daycare, alcohol and drug rehab, home healthcare, hospice, etc.) Miscellaneous Medical (doctors, clinics, hospitals, laboratories, life sciences, physician groups, etc.)

 

Parking companies need insurance that protects all aspects of their operations.

ArmorPark’s  liability policy form is tailored to meet the unique needs of parking companies—combining Commercial General Liability and Garage Keepers Legal Liability with extended coverages necessary to this class of business. 

ABOUT U.S. RISK

U. S. Risk Insurance Group, Inc. is a specialty lines underwriting manager and wholesale broker headquartered in Dallas, TX. Operating 11 domestic and international branches, it offers a broad range of products and services through its affiliate companies, which include U.S. Risk Underwriters, U.S. Risk Brokers, Professional Claims Managers, Oxford Insurance Brokers Ltd. (London), Advocate Reinsurance Partners and Unisource Program Administrators.

Dallas, TX (Headquarters) U.S. Risk Brokers, 
U.S. Risk Underwriters 
10210 N. Central Expressway Suite 500 Dallas, TX 75231 
Toll Free: (800) 232-5830 Local: (214) 265-7090 
Follow Us and Join the Conversation 
Facebook | LinkedIn | Twitter | Email Us | CompleteMarkets

Introduction to the Professional Liability Underwriting division:

For over 30 years the U.S. Risk Professional Underwriting Division has been a market leader in the professional liability arena. With nationwide in-house underwriting and claims handling as well as broad brokerage capabilities, we have your professional liability risks covered.

New Programs

• Title Agents E&O Program – Escrow coverage and prior acts available 
  (Click Here for detailed information)



• Architects and Engineers Program – Design Build and Design Only –coverage for General & Specialty Contractors with Design Responsibility available 
  (Click Here for detailed information)
  
  
• Basic Insurance Agents E&O Program - Designed specifically for smaller operations and start-ups 
  (Click Here for detailed information) 
  
  

Enhanced Programs

• Insurance Agents E&O Program – P&C and Life A&H Agencies and Brokers including: GA's, Wholesalers, S/L Brokers, and MGA's 
  (Click Here for detailed information) 
  
  
• Misc. Professional Program – new rates and expanded classes 
  (Click Here for detailed information) 
  
  
• Employment Practices Liability Program – coverage for CA accounts available 
  (Click Here for detailed information)
  
  

US Risk

     
The StaffPak Program has become a best in class underwriting and risk management option for staffing firms throughout the country. Our expert advice, marketplace knowledge, strong carrier partners, unparalleled customer service and proprietary insurance products enable Brokers to deliver the StaffPak value proposition to their staffing customers and prospects. 
 
Call StaffPak first.

The StaffPak Team
Dallas 800-232-5830

  Peter Stanislaw: Direct: 214-265-4949 | [email protected])   Jeff Hicks: Direct: 214-265-2474 | [email protected])   Quinton Goss: Direct: 214-265-4964 | [email protected])

From http://beforeitsnews.com 

 "It’s Halloween week and what better time to talk about slip-and-fall injuries than now? Slip and fall injuries aren’t the only potential injury concerns at Halloween. But they’re a major category to consider, especially if you plan to give out candy this year. In some areas, masses of youngsters turn out for trick-or-treating. With crowds, excitement, sugared-up little tykes and darkness, you’ll want to keep an eye out for hidden dangers on your property. 

Here are a few pointers to avoid a slip-and-fall lawsuit this Halloween: 

Keep your driveway clear. If kids will be walking up your driveway, you might want to move that car. This is even more important if your driveway is inclined. And if the recent hurricane drops snow and ice on your driveway, you’ll want to take care to salt up the driveway to avoid a slippery personal injury disaster. 

Clear your lawn of hidden obstructions. Check out your lawn in the dark the night before trick-or-treaters show up. Take a walk across your yard and see if you come across any items that could cause someone to trip and fall. The last thing you want is a trick-or-treater falling on a hidden object on your lawn. 

Keep the lights on. It may be tempting to keep your property dark, to lend mood to your decorations. Or, alternatively, if you decide not to give out candy, you might decide to keep the lights off altogether. Rather than keeping your porch lights off, think about just turning off most of the lights inside your house to deter trick-or-treaters. The danger is that if your lawn is pitch black and there is an obstruction on your lawn, trick-or-treaters could injure themselves, and you could potentially be held liable. Halloween is fun but it doesn’t come without some liability risks. Be safe on Halloween and take precautions. Happy trick-or-treating!"  

From http://beforeitsnews.com 

“Here are a few pointers to avoid a slip-and-fall lawsuit this Halloween: 

Keep your driveway clear. If kids will be walking up your driveway, you might want to move that car. This is even more important if your driveway is inclined. And if the recent hurricane drops snow and ice on your driveway, you’ll want to take care to salt up the driveway to avoid a slippery personal injury disaster. 

Clear your lawn of hidden obstructions. Check out your lawn in the dark the night before trick-or-treaters show up. Take a walk across your yard and see if you come across any items that could cause someone to trip and fall. The last thing you want is a trick-or-treater falling on a hidden object on your lawn. 

Keep the lights on. It may be tempting to keep your property dark, to lend mood to your decorations. Or, alternatively, if you decide not to give out candy, you might decide to keep the lights off altogether. Rather than keeping your porch lights off, think about just turning off most of the lights inside your house to deter trick-or-treaters. The danger is that if your lawn is pitch black and there is an obstruction on your lawn, trick-or-treaters could injure themselves, and you could potentially be held liable.”

From http://www.propertycasualty360.com 

Megan Duskey went to the “Haunted Hotel Ball” hosted by Palmer House Hilton in Chicago in 2010. Instead of a fun night with friends, Megan fell four floors to her death after attempting to slide down a railing and suffering head trauma. Her parents filed suit in July of this year, alleging negligence on the part of Palmer House Hilton as well as the event companies hosting the party. The suit claims that the hosts and hotel allowed guests to consume unlimited amounts of alcohol and failed to provide adequate security. The plaintiffs seek more than $500,000 in compensation for their daughter’s death.

From http://www.propertycasualty360.com 

Risqué Risks 

Issues can arise when adults wear costumes—especially those considered to be provocative—to work. Sexual harassment and other actions that fall under behavior related to hostile work environments have become prevalent in employment law disputes. 

A female sales employee filed a sexual harassment lawsuit when a male manager made lewd comments about her doctor costume. He unbuckled his pants, motioned to his groin, and said, “Here, Doctor. It hurts here.” The defendant was ordered to pay a civil penalty of $50,000 and related attorney fees for the plaintiff at the conclusion of Devane v. Sears Home Improvement Products Inc. 

Crazy Right?!