Other Insurance Clause
What this clause says
If other valid and collectible insurance is available to the Insured for a loss covered under this Policy, our obligations are limited as follows: this insurance is excess over any other primary insurance available to the Insured covering the same loss.
What this actually means
The other insurance clause decides what happens when more than one policy covers the same loss. The usual outcomes are that the policies share proportionally, that one is excess over the other, or that one is primary. Two policies both claiming to be excess over the other is a known and expensive standoff.
What it means for an operator
Senior care programs stack more policies over the same event than most industries do: general liability, professional liability, abuse coverage, an excess tower, an auto policy, and whatever a landlord, manager or staffing agency carries with you as an additional insured. When a claim touches several of them, the other insurance clauses decide the order of payment and whether anybody pursues contribution afterwards. This is also why primary and noncontributory wording is asked for in leases and management agreements: it overrides the default sharing so your policy responds in full first, and gives up the right to seek contribution from the other party insurer afterwards.
Why the Policy Checker does not score this
This term is worth understanding and cannot be checked from a declarations page. There is no single field that would answer it, and scoring it from an assumption would produce a confident wrong finding, which is the one thing a tool like this must never do. It is defined here and left out of the check.
See this in your policy
Check this term against your own program.
Run the Policy CheckerRelated clauses
Common questions about this clause
- What does primary and noncontributory mean on our certificate?
- Does my excess policy follow form over abuse coverage?
- Does a commercial umbrella sit over senior care professional liability?
- What is a quota share layer in a senior care excess tower?
- What insurance does a new assisted living facility need?