Coverage lines · 10 lines
The program, one line at a time.
General and professional liability gets the attention because it produces the catastrophic outcomes. For a great many operators it is not the largest line on the program, and it is rarely the line where the most recoverable money is sitting.
These pages take one line at a time and cover what it actually does, why senior care is not the general case for it, the specific place the coverage fails, and what to ask for. Each states who it applies to, because a line that dominates a home care agency can be irrelevant to a six-bed care home.
Written once per line rather than once per line and setting. Where a line behaves differently by care setting, the difference is inside the page.
Line of coverage
Workers compensation
The line that usually costs a senior care operator the most, where the experience modifier compounds year over year and resident handling drives the claim profile.
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Line of coverage
Directors and officers
Coverage for governance decisions rather than resident harm, including the Side A component that responds when the organization cannot indemnify.
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Line of coverage
The business owners policy problem
The packaged small-business policy many small senior care operators are sold, and the professional services exclusion that removes the only coverage that matters.
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Line of coverage
Employment practices liability
Coverage for claims by employees rather than residents, where wage and hour exposure across a large hourly workforce usually dominates everything else.
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Line of coverage
Cyber and HIPAA
Coverage for a breach of resident health information and for the operational shutdown a ransomware event causes in a building where care cannot pause.
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Line of coverage
Property
Property coverage for a licensed care building, where valuation, code upgrade cost and the displacement of residents matter more than the fire itself.
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Line of coverage
Auto and resident transportation
Commercial auto for community vehicles, plus the non-owned and hired exposure created every time an employee drives their own car on your behalf.
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Line of coverage
Crime and resident funds
Employee dishonesty and the specific exposure created by holding money that belongs to residents, where a modest theft becomes a regulatory and reputational event.
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Line of coverage
Builders risk
Course of construction coverage for new senior housing and, more commonly, for renovation and expansion of an occupied licensed building.
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Line of coverage
Equipment breakdown
Coverage for mechanical and electrical failure that the standard property form excludes, on equipment that in a care setting keeps residents alive rather than comfortable.
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The line that gets the attention
General and professional liability has its own library.
Defense inside the limit, the abuse and neglect sublimit, retroactive dates, shared versus per-location aggregates and excess towers are covered across the glossary, the Q&A library and the care-setting pages rather than compressed into a single page here.
Coverage by care settingFree coverage review
Most operators have never seen their program laid out line by line.
Send the declarations pages for every line and five years of loss runs. A specialist reads the whole structure and tells you which line is actually costing you the most and why, within one business day.