SENIOR LIVING/POST -ACUTE INDUSTRIES

The Principals of Palmetto have an extensive background in the senior care and post-acute industries, prior to entering into the insurance industry.  Our background includes:

  -  Senior Living:  Have worked within a CCRC as an Administrator-in-Training and have developed insurance structures for various senior living type entities.  

  -  Post-acute:  They have worked as a healthcare consultant specializing primarily in post-acute services, dealing with market assessments, regulatory assessments, operational/strategic analysis, financial analysis, and certificate-of-need development.      

Let us learn more about your business, so we can utilize our industry knowledge to better determine your business's insurance needs.  Call us at 404-944-0172 to discuss your options.

 

Potential business coverages might include (not all inclusive):

GENERAL LIABILITY

Protects your business from claims of bodily injury, property damage, data loss, and personal injury, as well as the related costs.  It does not; however, protect you from everything such as claims of negligence, regardless of whos at fault.

COMMERCIAL AUTO

Facilities often provide transportation of their residents, which represents a significant risk if they are in an accident.  Further, when an employee is involved in an accident using a company vehicle or their own vehicle during business time, this policy will provide coverage.  This covers the costs from an auto accident if you or an employee is involved in an accident.  Coverage includes hired and non-owned auto.

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GENERAL LIABILITY

Protects your business from claims of bodily injury, property damage, data loss, and personal injury, as well as the related costs.  It does not; however, protect you from everything such as claims of negligence, regardless of whos at fault.

COMMERICAL PROPERTY

For long-term care facilities, this coverage protects certain areas of your investment in your business. This insurance includes coverage for your building and contents. It can also protect your lost income should the building be damaged. Many long-term care facilities without income coverage that are severely damaged struggle to reopen, even if they carry proper coverage on the building. Business expenses such as outstanding loans and key employee salaries continue even though no income is generated during reconstruction. Ensure you protect not just your contents, but your income as well. 

WORKERS COMPENSATION

Is mandatory for most businesses in most States, it protects your employees and your business in the event of a workplace injury.  It covers an employee's lost wages and medical treatment due to a work related injury or illness, plus it'll protect you from being sued for workplace conditions that result in injury or illness.

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GENERAL LIABILITY

Protects your business from claims of bodily injury, property damage, data loss, and personal injury, as well as the related costs.  It does not; however, protect you from everything such as claims of negligence, regardless of whos at fault.

COMMERCIAL AUTO

Covers the costs from an auto accident if you or an employee is involved in an accident.  Commercial Auto insurance will cover both damaged property and medial bills.  Whether you use your own car, or a fleet of vehicles to get the job done, we have a coverage option for you.

REGULATORY LIABILITY

Product is designed to respond to actions brought by or on behalf of government entities for billing errors and omissions. The policy also covers claims brought by commercial payors and defense expenses for formal voluntary disclosures to the government. Coverage includes attorney fees, external auditor and medical expert costs associated with defending these claims.

CYBER/DATA BREACH LIABILITY

Provides third-party and first-party coverage for the loss of or damage to the digital data. Other expenses that may be covered include the cost of digital forensics and mandated notifications to victims, as well as other expenses outlined in the policy.

COMMERICAL PROPERTY

Protects the stuff your business needs to run.  It can pay to repair your business property if its stolen, damaged, or destroyed in a fire or natural disaster.

WORKERS COMPENSATION

Is mandatory for most businesses in most States, it protects your employees and your business in the event of a workplace injury.  It covers an employee's lost wages and medical treatment due to a work related injury or illness, plus it'll protect you from being sued for workplace conditions that result in injury or illness.

EMPLOYMENT PRACTICES LIABILITY

Covers lawsuit expenses when an employee sues over discrimination, harassment, wrongful termination, and similar issues.

PROFESSIONAL EXPOSURES

Protects your business if you are sued for negligently performing professional services, even if you haven’t made a mistake

© 2019 by Palmetto Alternative Risk               

 

                                  This website is for information only and does not represent legal, tax or insurance advise or offering.

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