Program Benefits

As the owner or administrator of a senior living facility, you face critical risk exposures unique to your industry. You need an insurance partner to provide comprehensive coverage and risk management solutions to meet those requirements. More importantly, to provide superior policyholder service.

The value-added, Senior Living Facilities exclusive insurance program offered through K&B Underwriters in partnership with a specialty insurer rated A - (Excellent) by A.M.Best — and known for exceptional coverage, risk management support and responsive claims handling service — was developed by insurance experts with exceptional commitment to — and knowledge of — the senior living and healthcare marketplace. The program is offered through a select network of insurance agents and brokers nationwide, also skilled and focused on the senior living market.

The program is available on a non-admitted basis for accounts domiciled in most U.S. states.

Program Benefits — Why Choose K&B Senior Living Facilities Program

• Broad range of eligible facilities — Coverage of both single location and multi-facility/multi state risks, Medicare/Medicaid certified or private pay
• Nursing Homes
• Intermediate Care
• Assisted Living
• Independent Living
• Continuing Care Retirement Communities (CCRC)
• Adult Day Care
• Respite Care
• Home Health Care
• K&B's superior senior living risk knowledge and underwriting expertise
• Claims-made coverage — Prior acts available
• Flexible deductible options
• General / Professional Liability Defense costs outside the limits
• Broad definition of Insured:
• Facility administrator, director of nursing and medical director (for administrative duties) employed nursing staff and volunteers
• Superior Policyholder Service
• Proactive, value-added risk management services offered at no additional charge, including:
• 24/7 risk management hotline
• Clinical risk assessments
• Education programs and resources — specialized senior living reference tools
• Senior living facility claims expertise: Responsive, tailored loss and claims-handling support

This information is provided as a general overview. Actual coverage may vary and is subject to policy language as issued.