Innovative
Insurance Solutions Meeting the Changing Needs of the Eldercare Industry
ProSight’s unique focus of bringing together comprehensive
insurance programs with exceptional risk management services. A specialized Liability Insurance industry
leader whose managers bring more than a century of experience.
Nursing home, assisted and senior living is a complex
segment of the health care industry, open to exposures that require specialized
coverage and expert, in-depth underwriting.
At ProSight we are experienced healthcare underwriters and understand
the elder care insurance market, its claim and legal climates and exposure to
loss, and can customize coverage to help address each organization’s unique
risk exposures.
Features:
ProSight
provides a comprehensive program with preferred pricing and coverage features,
including:
Flexibility of three General Liability & Professional
Liability options: Occurrence, Claims-Made, and Conversion (Nose) coverage
Industry-specific, broad policy forms
Worker’s Compensation and a specialty loss prevention
program
Benefits:
Provides value-added services to help its
customers create and maintain a healthy environment in their care facilities,
offering:
A streamlined submission and underwriting process
Customized non-clinical risk management consulting
services and assessment tools to help customers better understand coverage and exposures
evaluate loss control and provide valuable resources as part of their daily
operation
Limits:
GL/PL
non-admitted product with a $1M/$3M/$5M limit structure:
• Health Care Professional Act: $1M each act, $3M aggregate
• General Aggregate: $3M
• Personal Injury/Advertising Injury: $1M
• Each Occurrence: $3M
• Employee Benefits Liability: $1m each act, $1M aggregate
• Sexual Misconduct: $1M each act, $1M Aggregate
• Damage to Premises rented to you: $50,000
• Medical Expense: $5,000
• Hired/Non Owned; $1M CSL
• Evacuation Limit: $25,000 each incident, $25,000
aggregate
• Crisis Management: $25,000 each incident, $25,000
aggregate
• Nose Cover (if converting from Claims Made to Occurrence):
$1M
GL/PL
non-admitted product with a $1M/$3M/$5M limit structure:
• Health Care Professional Act: $1M each act, $3M aggregate
• General Aggregate: $3M
• Personal Injury/Advertising Injury: $1M