Stability - The Bunker Hill Senior Living program for nursing homes, assisted living facilities and retirement apartments began in 1986. For over 20 years, we have provided great coverage with “A” rated carriers for preferred Senior Living insureds.

Service - We have broad underwriting and pricing authority; we can quote, bind and issue policies and endorsements; we will quickly answer your questions; we make fast decisions.

Claims Handling - We have liability claims authority and use RN/Attorneys whenever possible on serious liability losses. Liability claims are managed and negotiated in our office by our Claims Vice President who has been managing claims for 25+ years. He is also a Licensed Nursing Facility Administrator (“LNFA”), so he is familiar with long-term care exposures, as well as the rules and regulations that govern them.

Loss Control - In addition to other loss control and claims handling services, we provide a free property inspection to help determine adequate values for insuring the Senior Living property.

Physical/Sexual Abuse - True and well-defined specific coverage endorsement for physical abuse and sexual abuse claims. Remember, “silent coverage” is not coverage for these claims, since the Commercial General Liability policy specifically excludes “expected or intended injury”.

Waiver of Subrogation - Our policy protects residents from property subrogation claims if a resident causes a covered loss to the Senior Living property.

Special “Sugar” Coverages - All the extensions of property coverage that a Senior Living facility is looking for are included at no additional charge! Higher limits and other optional coverages are also available.

Umbrella - This policy will follow form with a single limit over the underlying general, auto, and employer’s liability coverages. Punitive damages and physical sexual abuse coverage may be available for certain risks.

Professional Liability Excess - This excess policy and single limit will provide coverage over the underlying professional liability policy with optional punitive damages.

Volunteers Accident - This optional coverage provides accident and accidental death coverage for volunteers helping in the facility.

Retirement Residents Special Enhancements - This optional coverage provides $10,000 residents’ personal property coverage for each independent living unit up to $25,000 aggregate (higher limits available) and includes the independent living residents as Additional Insureds under the liability policy.