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Protection for Health Care Facilities

Selecting the appropriate insurance is essential for your facility. You can run it with confidence knowing it’s protected when you choose our Health Care Facility Program. Your independent agent representing The Cincinnati Insurance Company can customize an insurance program specific to your senior skilled care/nursing home, assisted living facility or independent retirement community.

Choose Cincinnati’s Health Care Facility Program

Your program begins with our standard property and general liability coverage forms. You also receive Data Compromise and Identity Theft Expense Coverage, for a premium charge, providing an important coverage needed by any business. You can further customize your insurance program by purchasing additional specialized coverages:

  • Health Care Facility Commercial Property Endorsement – packages higher limits and additional property features to cover automated external defibrillators, emergency vacating expense, money and securities of residents, portable medical equipment, unscheduled appurtenant structures and loss-prevention expenses.
  • Health Care Facility Commercial General Liability Endorsement – expands liability coverage to include your students in training and medical directors or administrators as insureds. It also extends medical payments to students in training and medical directors or administrators who are your employees.
  • Health Care Facility Professional Liability Coverage – provides coverage that gives you peace of mind as you care for your residents, including: coverage on an occurrence or claims-made basis; employees, medical directors and volunteer workers included as insureds; defense costs provided in addition to limits of insurance; no deductible.

Options to Suit Your Needs

Round out your insurance program by purchasing coverages needed by most businesses:

Cincinnati Advantage

When it comes to something as important as your business – your livelihood – you can work confidently, knowing you are protected by an exceptional insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community
  • multi-year policy terms available in most states for many coverages
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • one of the lowest countrywide consumer complaint ratios, as documented by the insurance regulatory group, the National Association of Insurance Commissioners, in its Consumer Information Source at www.naic.org
  • a management team specifically dedicated to keeping your insurance program on the leading edge

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