Professional Liability Insurance for
Senior Living Facilities
Eligible Facilities
- Nursing Homes
- Intermediate Care
- Assisted Living
- Independent Living
- Continuing Care Retirement Communities (CCRC)
- Adult Day Care
- Respite Care
- Facilities may be Medicare/Medicaid certified or private pay
- Eligible Accounts include single location risks as well as multi-facility/multi-state
Limits
Our limits approach is flexible to meet the needs of single or multi-location senior living facilities, with
available limits up to $10 million.
Features & Highlights
- Basic Coverages:
- Professional liability (Including “Residents Rights” claims and liability arising from
“Elder Abuse” statutes)
- General liability
- Bodily injury / property damage
- Personal injury/advertising injury
- Employee benefits liability
- Sexual misconduct liability
- Supplementary Coverages:
- Defense expenses for disciplinary proceedings
- Medical payment coverage
- Fire damage legal liability
- Optional Coverages (by endorsement)
- Non-owned automobile injury
- Punitive damages coverage (some risks may be subject to sublimit)
- Excess employers liability and auto liability coverages as part of an umbrella policy
are available (on a selective basis)
- All coverages on a claims-made basis
- Prior acts coverage available
- Defense outside the limits is standard (defense inside limits available for premium credit)
- Broad definition of Insured includes facility administrator, director of nursing, and medical director (for administrative duties), employed nursing staff, and volunteers
- Low deductible options
- Darwin is committed to not only providing insurance coverage, but also to supporting policyholder’s proactive risk management efforts. Darwin offers its basic risk management program to all Senior Living policyholders as a value-added service at no additional charge.
Jurisdictions
Applies to covered events that take place in the United States of America (including its
territories and possessions), Puerto Rico, and Canada.
Available on a non-admitted basis for accounts domiciled in most U.S. states.
Submission
Requirements
Darwin has selected K&B Underwriters as a preferred partner for this product. Please direct all submissions to:
Tim Halisky
Production Underwriter
V 888 760 3194 x 102
F 703 707 9696
E thalisky@kbunderwriters.com
12010 Sunset Hills Road
Suite 875
Reston, VA 20190
Darwin Professional Underwriters, Inc.
9 Farm Springs Road, Farmington, CT 06032
V 860-284-1300 | F 860-284-1301 | E info@darwinpro.com
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Underwriters, Inc.
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