| Nursing homes are designed to provide 24-hour nursing or health care to seniors, either long-term or short-term. They offer a comfortable community surrounding private or shared room, with medical staff available around-the-clock, including registered nurses, licensed practical nurses, and nurses’ aides. Care may range from basic assistance with daily activities to treatment and procedures from skilled nurses. | 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.
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K&B Underwriters’ DigniCARE program provides targeted coverage solutions specially tailored for nursing homes. 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 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.
