Compare · 15 decisions
The choices that actually change the outcome.
Most of what an operator has to decide is a choice between two named structures rather than a question with one answer. These are those choices, side by side, each ending in a recommendation rather than a shrug.
Where the honest answer is that it depends, the page says what it depends on and gives the test.
Comparison
Defense inside the limit versus Defense outside the limit
Should I pay more for defense outside the limit?
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Comparison
Claims-made versus Occurrence
Which trigger should a senior care liability program be written on?
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Comparison
Admitted carrier versus Surplus lines
Should I insist on an admitted carrier?
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Comparison
Risk retention group versus Commercial carrier
Should we put our program in a risk retention group?
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Comparison
Captive versus Guaranteed cost
Is a captive the right structure for us, or should we stay on a guaranteed cost program?
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Comparison
Shared aggregate versus Per location aggregate
Is a per location aggregate worth the extra premium?
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Comparison
Combined form versus Split between carriers
Should general liability and professional liability sit on one policy?
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Comparison
Tail on the old policy versus Prior acts on the new policy
At a carrier change or a sale, do we buy tail or take prior acts?
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Comparison
Skilled nursing versus Assisted living
How does an assisted living program differ from a skilled nursing one?
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Comparison
Memory care versus Assisted living
What changes when we add memory care to an assisted living operation?
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Comparison
A higher retention versus A lower limit
The renewal is over budget. Do we raise the retention or cut the limit?
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Comparison
A sublimit on the main policy versus A standalone abuse policy
Our abuse sublimit is a fraction of our limit. What do we do about it?
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Comparison
A broker of record letter versus Remarketing the account
We are unhappy with our broker. Do we let someone else quote it?
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Comparison
Carrier claims handling versus A third-party administrator
Should we appoint our own claims administrator?
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Comparison
Binding arbitration versus A jury trial
Should we use resident arbitration agreements?
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Free coverage review
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