Fireman’s Fund Adds Liability Cover for Senior Facilities in Texas, Fla.

Fireman’s Fund Insurance Company announced it has added general and professional liability coverages in Texas and Florida for assisted and independent living facilities. The company said the addition completes its comprehensive suite of coverages created specifically to protect residents, guests, property and income streams of senior living facilities.

Fireman’s Fund’s Senior Living coverages and services address key risks such as contaminated food, communicable diseases, emergency vacating, property of residents and staff, employee theft, lost keys, and mobile equipment. This Fireman’s Fund program also offers the following coverage solutions:

–Crisis management coverage to protect the reputation of senior living facilities.
–General and professional liability on an occurrence basis – not a claims-made basis.
–Prior acts coverage that bridges gaps that may occur when moving from a claims-made to an occurrence form.
–Specialized coverage for sexual misconduct and physical abuse vicarious liability.

As an additional coverage option, Fireman’s Fund offers Green-Gard building coverages for owners of senior living facilities who want to capture green benefits. Under Fireman’s Fund Green Building Replacement, Green Upgrade, and Commissioning Coverages commercial property owners and managers are able to rebuild and replace their facilities with green alternatives such as:

–Non-toxic, low-odor paints and carpeting
–Energy Star-rated electrical equipment
–Interior lighting systems that meet LEED or Green Globe requirements
–Water efficient interior plumbing

By taking advantage of Green-Gard, senior living facility operators can provide a healthier living environment for their residents while maximizing energy efficiency and cost savings for their facilities.

Fireman’s Fund also offers a full-service package that includes specialized services for complete asset protection. Fireman’s Fund senior living loss control specialists review senior living facilities to identify risks, and partner with the facility to reduce injuries, property damage, auto and liability claims.

Source: Fireman’s Fund, www.firemansfund.com