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A Specially Designed Comprehensive Insurance Program for Health Care Facilities

The purpose: To make available a unique, specialized Comprehensive Insurance Package that meets the specific needs of health care facilities.

A. Special Coverage

The basic program coverages are broad and flexible to meet the individual requirements of the provider organization and persons participating in their programs.

B. Program Enhancements

1. Functional Replacement Cost
2. Agreed Value Endorsement
3. Broad Form Resident Health
4. Care Endorsement
5. Professional Liability
6. Volunteers & Students
   And Many More...
   

C. Loss Control Program

Participants in the program may receive loss control expertise from the company in an attempt to reduce the Frequency and severity of losses.

Benefits to the Service Provider

• Broad Coverage based on the needs of health care providers
• Competitive Rates
• Local Claims Service
• Loss Control Expertise

Comprehensive Insurance Program Custom Designed For Health Care Facilities

Property - Building and/or Personal Property

• All Risk
• Replacement Cost
• Agreed Value Endorsement
• Residents Personal Property
• Mechanical, Electrical & Pressure Equipment Coverage
• Money & Securities
• Boiler & Machinery Coverage
• Broad Form Business Interruption Coverages
• Resident Health Care Endorsement

Commercial General Liability

• Premises - Operational
• Broad Form CGL
• Additional Insureds Employees, Students and Volunteers
• Broad Form Resident Health Care Facility Endorsement
• Broad Form Personal Injury
• Professional Liability
• Broad Form Additional Insured

Automobile

• Liability - "Any Auto"
• Physical Damage
• Hired/Nonowned Auto
• Additional Insured Endorsement

Crime

• Commercial Blanket Bond
• Employee Dishonesty (insuring Agreement 1A)
• Depositors Forgery
• Loss Inside/Outside Premises

Umbrella

• $10,000 Minimum Retention
• $1 Million Underlying Limit Required
• High Limits Available
• In Addition to the Underlying General Liability,
• Professional and Auto Liability Coverage
• Follow Form

Other Highlights of the Program

• Occurrence Form: General Liability
  Professional/Umbrella
• Defense Coverage in Addition to Limits
• Computer Coverage
• Inland Marine

Loss Control

As a valued policy holder, you will be entitled to utilize the services of various insurance companies for loss control. Our companies provide risk evaluation, consultation and practical assistance in the following areas

• Occupational Safety and Health
• Motor Fleet Safety
• Industrial Hygiene
• Employee and Supervisory Training
• Construction Safety
• Boiler and Machinery Inspections
• Property Conservations

We use only A+ and A rated carriers for this program, with claims facilities in all states.
For more information, contact Irwin Rogers Agency, Inc. at the address below.