Latest Blogs

By Brian Lindahl, 09/24/2020
As senior living providers prepare for approaching renewal periods, we wanted to provide an update on our view of the changing marketplace. This will aid you and your team in determining your risk tolerance appetite and preparing your budgets for potential increased costs and decreased coverage. Unfortunately,...

By Brian Lindahl, 09/15/2020
As an insurance and risk management partner to hundreds of assisted living communities across the country, we would like to extend an extra special “Thank You” to our assisted living clients for providing essential care and services to those in need. In appreciation of all that you and your team...

By Kristy Dickens, 08/17/2020
Often, when a facility receives a request for a copy of a resident’s medical records, complying with that request is a fairly straightforward process. Other times, balancing the requirements set forth by HIPAA (and complementary state regulations) with an individual’s rights to access and/or receive...

By Mark Holt, 08/03/2020
N-95 masks have been the subject of increased focus by OSHA. These masks were originally designed for industrial use in sectors such as mining, construction, painting and manufacturing. Designed to filter out airborne particulates, they have a logical place in the healthcare setting to control airborne diseases...

Growing rates of healthcare workers are experiencing physical and psychological injury as a result of workplace violence related to resident care. A staggering 95% of healthcare workers have reported exposure to aggression. However, research has found that workplace violence is underreported, signifying that...

By Peggy Morrison, 07/01/2020
In light of the COVID-19 pandemic, CMS has established a COVID-19 Focused Survey for Nursing Homes with the expectation that all nursing homes are inspected to ensure appropriate infection control practices are in place to prevent the spread and transmission of COVID-19. According to Quality Certification &...

By Cathy Knopf BSN, RN, 06/17/2020
After many months of closure, the nation is beginning to open. With this in mind, the Director of Quality, Safety and Oversight Group for CMS Center for Clinical Standards and Quality issued a memo providing recommendations for state and local officials to utilize while determining the level of mitigation needed...

Response to the novel coronavirus has increased demand for Personal Protective Equipment (PPE) during a time when supply chain interruptions are occurring across the nation, affecting both acute and senior living healthcare providers. As the number of persons infected with COVID-19 has continued to rise, and as...

By Cathy Knopf, 05/26/2020
The 2020 monthly webinars focus on best practice approaches, regulatory updates, operational and risk management techniques to help senior living communities better care for their residents and staff while protecting their business. We invite you to join our specialists at these upcoming exclusive...

By Ashley Johnson, Lisa Salter, 05/18/2020
While COVID-19 continues to impact our economy, business income coverage, sometimes referred to as business interruption coverage, has become a widely popular topic in the insurance industry. As many business owners struggle to keep their businesses afloat, several questions have emerged on how insurance policies...

Why Senior Living Communities Need Environmental Liability Insurance

When you think of environmental issues, the manufacturing or oil and gas industries likely come to mind, but chemical leaks and pollutants come from a variety of sources in senior living communities, especially as buildings and their systems continue to age.

Environmental exposures that have been known to affect the senior living industry include:

  • Bacteria in the water system that lead to Legionnaires Disease
  • Mold
  • Leaks in diesel storage tanks for (required) backup generators
  • Bodily fluids or infectious viruses
  • Indoor air quality

Unfortunately there is a common misconception about the coverage details of a general liability policy. Most standard general liability policies exclude pollution and environmental losses or if they are included, very low sub-limits apply.  If someone were to get sick or even die from a pollutant in your building, a $25,000 or $50,000 sub-limit isn’t going to cover much.  Those claims can reach in the millions of dollars and without the right, or adequate, coverage, you will be responsible for paying those damages out of pocket.

Environmental, or Pollution, Liability Insurance can fill that gap in coverage. In addition to bodily injury coverage, an environmental liability policy covers property damage, clean up and legal expenses and business interruption losses resulting from contamination incidents.

Do you know if your community is adequately covered in the event of an environmental impairment? AssuredPartners’ senior living experts can review and analyze your current general liability policy and help implement a risk management and safety procedures with your staff.  To learn more, visit AssuredPartners Senior Living.