QUICK REFERENCE GUIDE • Wholesale only distribution
• Available 24/7, from any computer with internet access
• Coverage in nearly all 50 states and D.C. on non-admitted (surplus lines) paper
• ‘Live Chat’ functionality with eCommerce Excess underwriters
• Immediate access to Quote, Binder, Policy and Invoice
ESCAPE EXCESS SENIOR CARE EXCESS FOLLOW FORM LIABILITY INSURANCE FOR NURSING HOMES AND LONG-TERM CARE FACILITIES
For more information visit StarStone.com
WHO’S ELIGIBLE?
Eligible Exposure Classes
• Skilled Nursing Facilities
• Assisted Living Facilities
• Independent Living Facilities
• Supplemental Exposure
• Home Health (Visits)
• Adult Day Care (Participants)
Excluded Classes
• Senior Apartments
• Low Income Housing
PRODUCT HIGHLIGHTS• Follow Form Excess of Primary or High Excess
• Limit options up to $5 million in most venues
• Following Form of Claims Made & Occurrence triggers
• Prior acts coverage to match expiring policy
• Defense coverage inside limits of liability
• Mandatory Underlying Coverage and Minimum Attachment:
• Professional Liability ($1m)
• Other Permissible Underlying Coverage and Minimum Attachment:
• General Liability ($1m)• Auto Liability ($1m)• Employee Benefits Liability ($1m)• Employer’s Liability ($500k)• Sexual Misconduct Liability ($1m)• Others available upon request
SUBMISSION REQUIREMENTS TO BE UPLOADED WHEN REFERRED AND/OR BOUND:• Completed application as received by underlying carrier
• Currently valued loss runs for PL, GL and AL when applicable
• Underlying quotes for PL, GL and AL when applicable
• Underlying binders and policies when issued
STANDARD REASONS FOR SOFT DECLINE AND FORWARD TO A HEALTHCARE UNDERWRITER:• Licensed beds over 500
• Any historical PL/GL loss greater than $250,000 or any aggregate year greater than $250,000
• Any Facility located in KY, TN or WV
STANDARD REASONS FOR REFERRAL ASSUMING ABOVE CRITERIA IS NOT BREACHED:
Facility Located in:• Cook County, IL
• Philadelphia County, PA
• Miami-Dade County, FL
• New York County and Five Burroughs
Or less than three years of historical loss information
LICENSING
We offer the ESCAPE EXCESS SENIOR CARE product via StarStone Specialty Insurance Company (Surplus Lines).
OFFICES
Harborside 5, 185 Hudson Street, Suite 2600, Jersey City, NJ 07311
ESCAPE EXCESS SENIOR CAREEXCESS FOLLOW FORM LIABILITY INSURANCE FOR NURSING HOMES AND LONG-TERM CARE FACILITIES
1. UNDERWRITING QUESTIONSSeveral questions may require additional information or referral to an Escape Underwriter.
ESCAPE EXCESS SENIOR CARE LIABILITY INSURANCE
APPLICATION FORM
3. LOSS EXPERIENCE ENTRY - ALL FACILITIES ENTERED
2. EXPOSURE ENTRY - UP TO FIVE FACILITIES OR 500 LICENSED BEDS (Certain venues require referral)
OPERATOR QUESTIONS
1. Are the facilities owned or leased by a multi-facility operation?
2. Are the facilities part of or associated with a hospital?
3. Does applicant have any plans for mergers, acquisitions, new services, sale of assets or business, or any similar corporate plans in the next 12 months?
4. Was the applicant a party to any mergers or acquisitions, or did the applicant sell any assets or parts of the business, begin providing new services, or undergo any similar corporate activities in the past 12 months?
RISK MANAGEMENT QUESTIONS
5. Is there an established risk management plan?
6. Do all facilities meet the NFPA safety requirements and have an emergency preparedness/disaster contingency plan?
7. Are all residents at least 50 years of age?
8. Are the facilities used by persons other than residents?
9. Are wander guards or similar devices used?
10. Did the most recent Medicare survey include any H, I, J, K or L deficiencies?
11. Are any of the facilities listed as Special Focus Facilities by The Centers for Medicare & Medicaid Services (CMS)?
12. Has the applicant been accused of any Medicare or Medicaid fraud or abuse violations, or paid any fines or penalties?
13. Have any claims been made against the applicant in the past five years alleging sexual molestation, class action, or death from life safety violations or events involving multiple residents?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
** Medicare Score and # of Deficiencies required if SNF exposures > 0.https://www.medicare.gov/nursinghomecompare/search.html
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STARSTONE CONTACTS
BROKER CONTRACTING INFORMATION
Alyssa MockManager, eCommerce Distribution
m. 201-687-7529 e. [email protected]
UNDERWRITING
Ryan YoungVice President, Healthcare - Jersey City Office
t. 201-743-7769 m. 201-232-1715e. [email protected]
AUTOMATION IS KEY TO PROFITABILITY
Launched in 2010, ESCAPE is StarStone’s state-of-the-art broker internet portal platform which offers specialty, line of business specific policies for brokers serving regional, small and middle-market businesses. It is a fast and extremely easy-to-use, cost-effective, quote-to-bind-to-issue eCommerce solution, revolutionizing the way small account business is transacted.
SELECT DISTRIBUTION
To ensure the highest levels of service, ESCAPE products are limited to a select group of producers who have a proven capability to aggregate a homogeneous book of business with target classes, demonstrate a track record of profitability, and have ample producer staff with a verified growth history within the small business sector.
FOR INFORMATION OR TO BIND COVERAGE CONTACT YOUR AUTHORIZED STARSTONE BROKER
LEGAL DISCLAIMERStarStone is the marketing name for StarStone National Insurance Company and StarStone Specialty Insurance Company, members of the Enstar Group. The information contained in this brochure is summary of the terms contained in the insurance policies issued by StarStone and is provided for information only. Please refer to your actual policy for all terms and conditions. If there is a conflict between this brochure and the policy, the policy language will control. Coverage may not be available in all states due to state insurance regulations. This coverage will be provided by a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and therefore insureds are not protected by those funds.
