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The Importance of Emergency Preparedness in Nursing Homes

The Importance of Emergency Preparedness in Nursing HomesThe Importance of Emergency Preparedness in Nursing Homes

In May of 2011, the Greenbriar Nursing Home in Missouri was in the direct path of the tornado that tore through Joplin. Of the 95 nursing home residents, 19 died. The nursing home was the structure with the highest number of fatalities in the tornado, which claimed a total of 161 people in the town, according to the National Institute of Standards and Technology (NIST).

A recent NIST report stated that “the damage survey indicated that there..


Tags: emergency preparedness nursing home emergency nursing home insurance nursing home liability preparing for an emergency

Posted:April 10, 2014
Posted in: Blog, Nursing Home, Risk Management

Basic Home Health Care Risk Management Strategies

Basic Home Health Care Risk Management StrategiesBasic Home Health Care Risk Management Strategies

Running a home health care service can be much different from running a nursing home or assisted living facility. Reason being, you are unable to supervise your staff and provide in-the-moment coaching opportunities. Another thing that is different is the risks they face. Workplace safety is a huge concern in any medical field, and it’s important for your staff to be aware of home health care risk management strategies so they can make their environment a safer one.

Health care..


Tags: home health care home health care insurance home health care services reducing risks in home health care Risk Management senior living industry risk management senior living insurance

Posted:March 24, 2014
Posted in: Blog, home health care, Risk Management

Recognizing Nursing Home Liability Risks

Recognizing Nursing Home Liability RisksRecognizing Nursing Home Liability Risks

According to the June 2013 Privacy Rights Clearinghouse report, since 2005, 25% of data breaches have been in the healthcare sector, exposing a total of 24,684,825 records. Most people think of nursing home liability risks consisting of Workers Compensation claims and resident injury risks. While nursing home liability risks certainly do include these types of claims, an often overlooked liability exposure in the senior living and healthcare industry is in the area of data security and privacy. The healthcare industry is expected..


Tags: cyber liability healthcare cyber security nursing home cyber risk nursing home insurance nursing home liability nursing home risks

Posted:February 24, 2014
Posted in: Blog, Nursing Home, Risk Management

Improving Palliative Care in Nursing Homes

Improving Palliative Care in Nursing HomesImproving Palliative Care in Nursing Homes

The U.S. population is aging as the baby boomer generation reaches senior citizen status. Some experts project that the number of frail elderly will triple or quadruple in the next 30 years. While technical medical advances continue to increase life expectancies, hospitals as a consequence lack the bed capacity for the ill and are often forced to discharge their patients early. As a result, as the number of senior citizens living with severe and debilitating illnesses increase, so too will the..


Tags: assisted living palliative care improving palliative care nursing home insurance palliative care for nursing home residents what palliative care is

Posted:January 27, 2014
Posted in: Blog, End of life care, Nursing Home

What Are the Qualities of a Good Nursing Home?

What Are the Qualities of a Good Nursing HomeWhat Are the Qualities of a Good Nursing Home?

When potential nursing home residents and their families are looking into an assisted living facility to best suit their needs, they typically look at factors such as the facility’s proximity to friends and family, the status and happiness of current residents, staff-to-patient ratio, and the overall condition of the facility. The following qualities are likely to help your facility stand out as a good nursing home.

Respect. Nursing home staff should be friendly, caring and supportive..


Tags: Assisted Living Facility assisted living insurance continuing care retirement insurance nursing home insurance senior living facility successful nursing home qualities What are the qualities of a good nursing home

Posted:December 20, 2013
Posted in: Blog, Nursing Home

Senior Living Facilities Insurance: Reducing Medical Liability Risks

Senior Living Facilities Insurance: Reducing Medical Liability RisksSenior Living Facilities Insurance: Reducing Medical Liability Risks

According to a recent American Medical Association report, on average there are 95 medical liability claims filed for every 100 physicians in the U.S. This increase was found to affect some areas of practice more than others, however senior healthcare presents unique liabilities. Medical errors occur when something that was planned as part of a patient’s medical care done not work out, or when the wrong plan was used in the first place. This gets tricky..


Tags: reducing elderly medical liability risks Reducing medical liability risks reducing medical risks Senior Living Facilities Senior Living Facilities Insurance

Posted:November 25, 2013
Posted in: Blog, Senior Living

K&B Hires Seasoned Senior Living Executive to Head Program Operations

Paul Marshall Recruited from American Safety Insurance

K&B Underwriters, a national insurance Program Administrator and wholesale brokerage serving agents and brokers for senior living facilities, today announced it has named Paul Marshall as Director of Senior Living Programs. Marshall has 23 years of experience in the insurance industry, largely focused on Long-Term Care and Healthcare Professional liability (LTCHPL) insurance.

“Paul has worked in all aspects of the senior care business, from retail sales to underwriting, program administration to risk management, and is an industry-recognized specialty insurance authority,” said Bryan Baird, President of K&B Underwriters. “His experience is a perfect marriage of senior living sales and senior living facility Professional Liability expertise, and we’re fortunate to..


Posted:November 13, 2013
Posted in: Blog, news_update

What Your Nursing Home Needs to be Federally Compliant

What Your Nursing Home Needs to be Federally CompliantWhat Your Nursing Home Needs to be Federally Compliant

When it comes to running or managing an assisted living facility such as a nursing home, there are many factors to take into consideration. There are a number of financial and insurance needs to be met, as well as risk management factors to keep in mind. Most important though, is the care of your elderly residents, which includes protecting them from dangers.

A fire inside a nursing home can bring devastating loss to your facility,..


Tags: nursing home nursing home federal compliance nursing home federal requirements nursing home fire nursing home fire sprinklers nursing home insurance nursing home requirements Nursing Home Risk Management senior living care senior living insurance

Posted:October 23, 2013
Posted in: Blog, Nursing Home

Nursing Home Risk Management: Quality Nursing Home Staff

Nursing Home Risk Management: Quality Nursing Home StaffRisk Management: The Importance of Quality Nursing Home Staff

Nursing homes play a vital role in our communities today. As of 2009, people 65 years or older represented 12.9% of the U.S. population. It’s estimated by the Administration on Aging that by 2030, there will be about 72.1 million senior citizens. Nursing homes are becoming increasingly important, and their staff is expected to provide a high quality standard of care.

Many nursing homes are responding to changes..


Tags: nursing hiring considerations Nursing Home Risk Management nursing home staff considerations nursing home staff guidelines nursing home staff qualifications nursing staff quality nursing home care quality nursing home staff reducing nursing home risks Risk Management senior living risk management

Posted:September 27, 2013
Posted in: Blog, Nursing Home, Risk Management

Senior Living Insurance: Age Stereotypes & Self-Fulfilling Prophecies

Senior Living Insurance Age Stereotypes & Self-Fulfilling PropheciesSenior Living Insurance: Age Stereotypes & Self-Fulfilling Prophecies

The detrimental effects of ageism are particularly poignant in senior living homes. It can affect the quality of life, care and interactions with staff and family members. But research also indicates that it can affect seniors’ views of themselves.

Seniors face significant bias. While ageist stereotypes are influenced by several factors, many older adults are viewed as less competent. Older people are also consistently grouped with disabled and developmentally disabled individuals.

There are two issues with these ageist stereotypes...


Tags: agism Assisted living insurance insurance programs nursing home senior living

Posted:August 28, 2013
Posted in: Assisted Living Facility, Blog, Independent Living Facility, Nursing Home, Senior Living
Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance

 
Kbunderwriters
Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance

 
Kbunderwriters
Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance