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Senior Living Program
5Star HealthcareTM offers general and professional liability solutions for senior living operations. Offered through an A XV rated carrier, this program includes coverage for independent and assisted living facilities for the elderly. The healthcare industry is growing due to an aging population, and we are committed to providing solutions for the specialized insurance needs of these accounts.
Eligible Classes
- Assisted Living Facilities
- Independent Living Facilities
- Skilled Nursing exposures on a limited basis
Available Products
- General Liability and Employee Benefits Liability
- Professional Liability
- Sexual and Physical Abuse
- Crisis Response
- Evacuation Expense
- Legal/Public Relations Expense
Program Highlights
- A.M. Best A XV Rated Carrier
- In-house authority for quick turnaround
- General and Professional Liability written on separate coverage towers
- Claims made and Occurrence forms available
Program Parameters
- Limits:
- Primary Limits: $1,000,000/$3,000,000
- Excess Limits In-House: $5,000,000
- Higher limits may be available
- Minimum Premiums:
- Claims Made: $5,000
- Occurrence: $50,000
- Deductibles: Coverage offered first dollar with deductible/SIR options available
Ineligible ClassesSubmission Requirements
- Acord 125 & 126 (GL Section)
- Supplemental application (signed and dated)
- 5 years current loss runs with claims details if applicable
- Copy of most recent annual regulatory survey and interim surveys with insured’s plan of correction
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