| Continuing Care Retirement Communities (CCRCs) are designed for seniors who are currently living independently but want the security of being cared for when needed as they grow older. They encompass a long-term care contract for independent living, assisted living, skilled nursing and certain healthcare services all at one location. Residents usually begin in an independent living residence, transfer to assisted living, and if declining health dictates, move to an onsite intermediate or skilled nursing care facility. | K&B Underwriters wants the submission process to run smoothly for retail brokers interested in our DigniCARE program. Our guidelines are designed to help you complete your submissions with ease.
|
K&B Underwriters’ DigniCARE program provides targeted coverage solutions specially tailored for CCRCs. Our program features and benefits include, but are not limited, to*:
- Professional Liability (incident-sensitive) coverage for injury to residents
- General Liability coverage for injury to non-residents
- Employee Benefits Liability
- Sexual Misconduct Liability coverage by separate limit
- Defense Costs Outside of Limits for most coverages
- Disciplinary Proceedings Defense
- Coverage for Medical Director within scope of employment
- Coverage for Students in a formal training program at your facility
- Coverage for Barbers and Beauticians for resident services
- Good Samaritan Acts included within the definition of Medical Services
- Blanket Additional Insureds
- Options for Excess Limits up to 10M/10M with ability to sit over Auto and Employers Liability
- Options for Punitive Damages
- Options for Evacuation Expense
- Options for Deductible and SIR choices, including first-dollar
- Options for ERP and Facility Runoff coverage
- Options for Occurrence form coverage
- Options for Workers Comp, Property and Auto packages
K&B underwrites the program on behalf of an A.M. Best “A+” rated insurance carrier.
Find out how we can help your clients mitigate risk and insure against loss.
Please give us a call at 855.883.6306, complete the form on this page, or look at our territory map to locate an underwriter near you to find out more about the K&B difference and how to partner with us as a broker.
*These descriptions of coverage features within the DigniCARE program are given as a summary only and may differ from policy to policy. You must consult the actual terms, conditions and exclusions of your DigniCARE policy or quote in order to determine coverage details.
