Skilled nursing
Should general and professional liability be on the same policy?
Yes, and skilled nursing is the setting where it matters most. A fall complaint typically alleges both a premises condition and an inadequate assessment or care plan. That is one incident touching two coverages.
If the two sit with different carriers, each has an incentive to characterize the claim as the other one. Both may reserve rights. Both may appoint counsel. You end up managing a coverage dispute between your own insurers while the underlying case proceeds, which costs money directly and delays a coordinated defense at the point where a united front matters most.
Where market conditions force a split, insist on matching wording between the two policies and a written defense cost sharing agreement, agreed at binding rather than negotiated during a claim.
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More skilled nursing questions
How much liability limit does a nursing home need?
There is no universal number. The answer is driven by your states, your own severity history, your acuity mix, and whether defense costs erode the limit.
Does insurance pay CMS civil money penalties?
Generally no. Penalties are treated as uninsurable on public policy grounds. What is insurable is the cost of defending the proceeding.
Who is liable when an agency nurse makes an error?
You will be named regardless. The question is whether your policy covers you for the acts of contract clinical staff, and whether the agency actually carries what its contract promised.
Is the medical director covered under our policy?
Medical director duties are administrative and frequently fall between the facility program and the malpractice coverage carried by the physician, with each assuming the other responds.
What does one bad loss year do to our pricing?
More than the totals suggest, because underwriters read loss development rather than loss totals, and development is what carries forward.
Do we need billing errors and omissions coverage?
It covers the defense of a post-payment review, not the repayment. The defense cost is what operators underestimate.
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