Coverage Highlights & Underwriting Appetite
Future Care Risk Retention Group offers Professional Liability, General Liability, Employee Benefit Liability and other supplemental coverages for senior care providers throughout the United States.
Approved by HUD
Reinsurance Partners AM Best “A” Rated
Financial Stability Rating (FSR) of A, Exceptional, by Demotech, Inc.
Coverage Highlights
Claims Made Coverage
Incident Sensitive Coverage Form
Broad Coverage Trigger
Professional Liability (PL)
General Liability (GL)
Employee Benefits Liability (EBL)
Extended Reporting Period (ERP)
Stand-Alone ERPs
Currently available in 48 states
Expense Reimbursement Options
Resident Property Loss, Medical Payments, Legal/Media Expense, Evacuation Expense and Fire Legal Liability
Limits of Liability
From $100K/$300K to $1M/$3M
Separate Tower for PL & GL available
Limits Per Location available
Total Maximum Policy Aggregate $10M Defense Expenses Inside the Limits (standard) Outside the Limits via endorsement
Deductible
&
Self-Insured Retentions (SIR)
Up to $500,000 per claim deductible options
Self-Insured Retention (SIR)
Additional Customized Layer Options
Coverage Enhancements Options
Sexual Abuse & Misconduct
Personal and Advertising Injury
Medical Director for Administrator Services
Volunteer for Administrative Services
TRIA available
Administrative/Disciplinary Proceedings Cost
Property of Patient
Departed Entities Endorsement
Profile Appetite
Skilled Nursing Facilities
Assisted Living Facilities
Independent Living Facilities
Intermediate Care
Sub-Acute Care includes Tube
Feeding, Ventilators, Tracheotomy and Complex Wound Care
Post-Acute Short Term
Continuing Care Retirement
Communities Both For-Profit & Notfor-Profit Entities
Single location in a rural area to senior care facilities with multiple locations
Nursing home corporations with large chains that own facilities across the country
Captive Solutions - including Captive Management Tailored Specialty Programs
Fronting Program
Rent-A-Captive
com