Insurance Program Results

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Long-Term Care: Changing Programs

Crittenden Insight

Crittenden Insurance Program Directory(TM)

Allied Health: Long-Term Care Facilities

Carrier (Administrator)

2016 Expectations/Opportunities

Distribution/Access

Crittenden’s Customer Service Rating*

Lloyd’s of London (Sapphire Blue)

Opportunities from large accounts and new operators that anticipate rapid expansion. Selective underwriting will be key to maintaining a profitable book of business.

Brokers and Agents

5 Stars

Rockhill Insurance Co.

Improved competitive position after recent changes to its product, including reduced minimum premium, a revision of its submission acceptance period and expansion of risk management services last year. Also fine-tuned its distribution network . Carrier could potentially add ancillary coverage under parent company State Auto.

Select Wholesalers as well as select Retailers in regions where its wholesaler network lacks penetration.

-

Ironshore Inc.

Single-digit growth with a continued focus on writing accounts with good opportunities. Opportunities may come in the form of business that was written by carriers that may have underpriced an account and later implemented dramatic changes and overcorrections.

-

-

Markel Corp.

For the complete story, call (800) 421-3483

GuideOne Insurance Cos.

Chaucer (Huntersure)

CNA

James River Insurance Co.

ACE Group

RLI Corp.

AIG (Glatfelter)

Source: Crittenden Research Inc.(TM)

 

Beazley Breach Response Select

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Accountable Care Organizations (ACOs), Acupuncturist, Allied Health, Art Galleries/Fine Art/Museums/Antique Dealers, Assisted Living Facilities, Chiropractors, Civic Clubs (Nonprofit), Colleges & Universities, Continuing Care Retirement Communities (CCRCs), Day Spas, Dentists, Education & Nonprofit, Emergency Response Services (Ambulance), Gastroenterologist, Health Maintenance Organization (HMO), Healthcare Systems, Hospice, Hospitality (Hotels/Motels), Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Independent Living Facilities, Laboratories, Lawyers, Long-Term Care Facilities (LTC), Managed Care Organizations, Massage Therapy/Therapists, Mental Health/Behavioral (Counseling/Counselors), Midwives, Non Emergency Transportation (Medical), Nurse/Staffing Registries, Nursing Homes/Skilled Nursing Facilities, Opticians, Pharmacies, Pharmacists, Physicians, Podiatrists, Private/Charter Schools, Psychiatric Facilities/Hospitals, Psychologists, Rehabilitation Facilities, Research/Research Organizations (Clinical, Etc.), Retail, Schools, Schools (Adult Education), Substance Abuse Rehabilitation Facilities & Services, Surgeons, Therapy/Therapists, Weight Loss Clinics

Carriers: Beazley Insurance Co. Inc.

Coverage: Cyber Liability, Excess, Umbrella/Excess

Limits: up to $5 million

Healthcare Management Liability

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Directors & Officers (D&O), Hospitals, Long-Term Care Facilities (LTC)

Carriers: Beazley Insurance Co. Inc.

Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Umbrella/Excess, Wrongful Acts

Limits: Up to - $20 Million

Healthcare-Regulatory Liability

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Billing (Government), Hospitals, Long-Term Care Facilities (LTC), Physicians

Carriers: Beazley Insurance Co. Inc.

Coverage: Errors & Omissions (E&O), Regulatory Claims, Regulatory Liability

Limits: up to $20 million

Management Liability-Healthcare Organizations

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Accountable Care Organizations (ACOs), Directors & Officers (D&O), Health Maintenance Organization (HMO), Healthcare Systems, Hospitals, Long-Term Care Facilities (LTC), Research/Research Organizations (Clinical, Etc.)

Carriers: Beazley Insurance Co. Inc.

Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Fiduciary Liability, Umbrella/Excess

Limits: up to $20 million

Regulatory Liability (Healthcare)

Administered By: Beazley

Distribution: Direct/Broker

Industries:

Hospitals, Long-Term Care Facilities (LTC), Municipalities/Government Bodies, Physicians

Carriers: Beazley Insurance Co. Inc.

Coverage: E&O, Excess, Umbrella/Excess

Limits: Up to - $10 Million

Eldercare

Administered By: Hanover Insurance Group

Distribution: Carrier Direct

Industries:

Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities

Carriers: Hanover Insurance Group Inc.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $5,000,000 (Excess over GL/PL and auto. Excludes abuse and molestation and punitive damages.), up to $1,000,000 (Abuse & Molestation)

Custom Accounts & Asset Protections Solutions

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Accountable Care Organizations (ACOs), Assisted Living Facilities, Health Maintenance Organization (HMO), Healthcare Systems, Hospitals, Life Sciences, Long-Term Care Facilities (LTC), Managed Care Organizations, Nursing Homes/Skilled Nursing Facilities, Physicians, Research/Research Organizations (Clinical, Etc.)

Carriers: Ironshore Inc.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits:

Healthcare Regulatory Liability E&O

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Billing (Government), Healthcare Systems, Hospitals, Long-Term Care Facilities (LTC), Physician Groups

Carriers: Ironshore Inc.

Coverage: Errors & Omissions (E&O), Regulatory Claims, Regulatory Liability

Limits: up to $10 million (Primary or Excess)

Long-Term Care

Administered By: Markel

Distribution: Direct/Broker

Industries:

Adult Day Care, Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Home Healthcare, Hospice, Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities

Carriers: Markel Corp.

Coverage: Commercial Auto, Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $10 million (Umbrella & Excess), up to $1 million (Primary)

Long Term Care Liability

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities

Carriers: Ironshore Inc.

Coverage: Employee Benefits Liability, Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $10,000,000 (Follow form/Umbrella), $1,000,000 - $3,000,000 (Professional Liability), up to $25,000 (Disinfection Event Expense), $5,000 - $25,000 (Resident Loss of Property), up to $100,000 (Evacuation), up to $100,000 (Public Relations), $1,000,000 - $3,000,000 (General Liability), $1,000,000 - $3,000,000 (Employee Benefits)

Loss Portfolio Transfer

Administered By: Ironshore

Distribution: Direct/Broker

Industries:

Captive Agents, Hospitals, Long-Term Care Facilities (LTC), Physicians

Carriers: Ironshore Inc.

Coverage: Loss Portfolio Transfer

Limits: - - - (Please inquire.)

MedSurance LTC

Administered By: CFC Underwriting

Distribution: MGA

Industries:

Assisted Living Facilities, Independent Living Facilities, Long-Term Care Facilities (LTC)

Carriers: Lloyd's of London

Coverage: Abuse & Molestation Liability, Business Interruption, Commercial Property, Contractual Liability, Cyber Liability, Employee Benefits Liability, General Liability, Hired & Non-Owned Auto, Medical Expenses, Professional Liability, Tenants' Legal Liability

Limits: up to $5 million

Senior Living

Administered By: BerkleyMed

Distribution: Carrier Direct

Industries:

Long-Term Care Facilities (LTC)

Carriers: Admiral Insurance Co., Berkley Insurance Co.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $25,000,000 (Large Facilities with high retention), up to $1,000,000 (Small Facilities with low retention)

Senior Living & Home Care

Administered By: GuideOne Insurance Cos.

Distribution: Direct/Broker

Industries:

Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Home Healthcare, Hospice, Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities

Carriers: GuideOne Insurance Cos.

Coverage: Commercial Auto, Commercial Property, General Liability, Professional Liability, Workers' Compensation

Limits:

HealthCap Affinity

Administered By: Chelsea Rhone, LLC

Distribution: Program Administrator

Industries:

Long-Term Care Facilities (LTC)

Carriers: HealthCap RRG

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $1 million/$3 million

HealthCap Flex

Administered By: Chelsea Rhone, LLC

Distribution: Program Administrator

Industries:

Long-Term Care Facilities (LTC)

Carriers: HealthCap RRG

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: $1,000,000 Per Claim - $3,000,000 Aggregate

HealthCap RRG

Administered By: Chelsea Rhone, LLC

Distribution: Program Administrator

Industries:

Long-Term Care Facilities (LTC)

Carriers: HealthCap RRG

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: $3,000,000 per claim - $5,000,000 Aggregate (GL - Per Location Limits), $3,000,000 per claim - $5,000,000 Aggregate (PL - Per Location Limits)

Long-Term Care Program

Administered By: PRA Mid-Continent Underwriters

Distribution: MGA

Industries:

Assisted Living Facilities, Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities

Carriers: ProAssurance Group

Coverage: General Liability, Professional Liability

Limits: up to $2 million/$4 million (Primary Limits)

Residential Facilities

Administered By: Huntersure LLC

Distribution: MGA

Industries:

Assisted Living Facilities, Developmentally Disabled Services/Facilities, Independent Living Facilities, Long-Term Care Facilities (LTC), Residential Facilities

Carriers: Chaucer plc

Coverage: General Liability, Professional Liability

Limits: up to $3 million/$6.4 million

SelfCap LTC

Administered By: Chelsea Rhone, LLC

Distribution: Program Administrator

Industries:

Long-Term Care Facilities (LTC), Workers Compensation

Carriers: HealthCap RRG

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess, Workers' Compensation

Limits: