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Adult Family & Assisted Living Homes

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What are Professional Liability, Medical Malpractice, and directors and Officers' insurance?

With staff turnover at an all-time high, exposure increases if the facility fails to conduct thorough background checks to verify employees’ credentials, education, and licensing. Nursing homes should be subject to regular inspections by their accreditation organization. It should also be licensed and staffed based on federal and state requirements. The staff/patient ratio should be sufficient to provide adequate care for patients. Supervision is essential along with regular training, monitoring, and well-written and followed procedures. Patients must be informed of their rights to obtain or refuse medical care as described by state and federal law. Very serious losses may result from failure to secure patient approval before performing procedures. Access to patients’ records must be restricted to those having a legitimate reason for viewing them. Patients’ records must be duplicated and stored off-site. Both on-site and off-site records must be safeguarded to protect patients’ right to privacy. Patient plans should be in place and followed by all staff members. Only patients who are within the appropriate level of care within the nursing home’s license should be admitted and allowed to remain in the facility. There should be a formal review process in place for reviewing all incidents that may give rise to a claim of medical malpractice. Access to all pharmaceuticals must be carefully controlled, with procedures in place for the proper dispensation to patients. Finally, inappropriate touching and sexual misconduct must be considered.

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Frequently Asked Insurance Questions

Currently, insurance carriers are fairly lenient on policy lapses. It is generally a good idea to keep your construction insurance policy and bond in force. 

If you have a lapse in coverage and are having trouble finding coverage, one of our construction insurance specialists will do everything to get you insured.

Call (425) 242-5357

First Underwriters Construction insurance specialists will shop our network of over 100 admitted insurance carriers and find the lowest down payment and monthly payments.

Call (425) 242-5357

If you've been declined elsewhere for prior losses, First Underwriters Construction Insurance Specialists will find a carrier  that will meet your insurance requirements and get you back to work.

Call (425) 242-5357