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Senior Living Community Insurance

We understand the complexities our senior living community clients face, whether they’re administrators, owner-operators, private equity firms, or a REIT while preparing for a large retiree population in the years to come.

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Insuring over 600 healthcare facilities

Since 2009, Horton has specialized in healthcare organizations to take their commercial insurance and employee benefits programs to a higher level of performance. Comprised of sound risk management, innovative employee benefit solutions, and industry-leading safety, wellness, and risk transfer strategies, agencies have the tools at their fingertips to control their destiny.

Our senior living clients have their hands full trying to execute their purpose-driven work while worrying about a variety of concerns, including rising costs, increasing claim severity and frequency especially around COVID-19, difficult litigation environments, occupancy concerns and staff / labor pressures. It is our job to handle these concerns so our clients can fully focus on their operations – not their insurance.
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Ongoing and Increasing Risks in the Senior Living Community Industry

Many of the ongoing and emerging risks we see in our Senior Living Community clients include:

Dramatically higher insurance expenses, and labor and equipment costs
Constantly changing insurance regulations and healthcare laws
Threats to patients such as cyber privacy issues, abuse or neglect, property theft or damage
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Senior Living Community
Hospice Care

Types of Senior Living Communities we insurance include:

  • Senior living communities
  • Adult day care
  • Active Adult
  • Alzheimer’s / Memory Care
  • Age-restricted multifamily
  • Assisted living facilities
  • Assisted living for developmental disabilities
  • Continuing care retirement center (CCRC)
  • Convalescent homes
  • Individual living centers
  • Independent Living
  • Nursing homes
  • Post acute/Sub acute care
  • Residential care facilities
  • Retirement apartments
  • Skilled nursing and continuum of care

Insurance Coverages for Senior Living Communities:

  • Property Insurance Coverage
  • Business Income Coverage
  • General Liability Insurance
  • Assisted Living Facilities Professional Liability
  • Abuse or Molestation Insurance
  • Commercial Automobile Insurance
  • Bonds
  • Resident fund bond – financial guarantee so that the facility will protect the funds (social security/pension) that may be getting sent directly to them.
  • Utility deposit bond – guarantee the payment of the utility bills.  If sued for any manner of “wrongful thing” and if they lose, these firms may appeal the adverse judgement and have to post appeal bonds to the court.  These can sometimes be large.

Supporting Member of Argentum

We’re Committed to Advancing Senior Living

Argentum_Supporting_MemberWe are proud to be a Supporting Member of Argentum, the leading national trade association serving companies that own, operate and support professionally-managed senior living communities in the United States. They provide many resources and products to help us stay updated on the latest news in senior living.

Since 1990, Argentum has advocated for choice, independence, dignity, and quality of life for all older adults. Along with its state partners, Argentum’s membership represents approximately 75 percent of the professionally managed communities in the senior living industry—an industry with a national economic impact of nearly a quarter of a trillion dollars and responsible for providing over 1.6 million jobs. These numbers will continue to grow as the U.S. population ages.

Grow with who you know.

How can Horton Safety Consulting Services help your Healthcare Business Operations?

Horton Safety Consultants can:

  • Be your dedicated safety professional for day to day interaction on your account. Tracking and trending of worker’s compensation, property and general liability claims. Claims data review/comparison, analytics and benchmarking when applicable.
  • Provide safety, health and compliance seminars. We have a wide variety of topics available or we can structure these specifically to the needs of your organization.
  • Provide first-aid, CPR & AED training and certification for key company personnel.
  • Provide routine training sessions for managers, supervisors and leads to ensure that facility safety and employee work practices are compliant with applicable OSHA standards and company directions.
  • Conduct safety observations and audits using the Predictive Solutions software platform. Predictive Solutions provides statistical probabilities regarding the occurrence of accidents and injuries. Formal reports with photographs depicting both safe and at risk practices and conditions will be distributed to key company personnel. Safety consultants will also review and provide feedback regarding site specific safety information required such as training programs and Job Hazard Analysis completion. Additional feedback regarding the results of the inspection will be provided to applicable supervisors prior to leaving the facility.
  • Conduct a SAFE assessment which looks at nine essential elements of a successful safety and risk management program. Safety policies, procedures, accident investigation reports, disciplinary action policies, safety observations and audits, and a facility review are included in this extensive assessment.
  • Conduct documented accident and injury investigations. The investigation report will include descriptions and a summary of events, root causes and recommended actions; photographs will be taken. Horton Safety Consultants will use these investigations to solicit ideas and suggestions from all employees on how to prevent similar injuries or accidents from occurring in the future.
  • Develop and implement an Accident Review Board (ARB). The Accident Review Board is made up of key company personnel who review and hold meetings to discuss significant accidents or near misses. At regular intervals, the injured or involved employee and their supervisor report to the ARB meetings to discuss what events transpired and what must be addressed to prevent future events.
  • Conduct a Coronavirus (COVID-19) Preparedness Audit. Our COVID-19 Preparedness Audit includes an onsite facility evaluation of those key elements necessary for an effective exposure control plan.
  • Administer a short and customizable survey to distribute to your staff to gauge interest in various safety & health initiatives.
  • Distribute safety & health communications, flyers and events to clients in an easy to share format with your staff. Recent OSHA and/or CDC updates, events, success stories and best practices can be included in these communications.
  • Advise on capabilities to perform Industrial Hygiene activities necessary to ensure compliance with applicable OSHA hazardous and toxic substances requirements, OSHA’s respiratory protection regulations and OSHA’s hearing conservation standard.
  • Assist in organizing and providing safety resources to established committees. Safety & health account managers can attend virtual quarterly meetings.
  • Advise on Bloodborne Pathogens Training – Employers whose employees are exposed to blood and body fluids during the course of work are subject to OSHA’s bloodborne pathogens standard, including training in the hazards associated with bloodborne pathogens and methods employees can use to protect themselves from those hazards.

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People First Insurance Brokers

Find out how our services can assist you in becoming better prepared and protected for what comes next.

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Eric Dolezal