This covers you in case you are held liable for injuries that occur on your premises or caused by your employees while they are treating patients. You will also be protected against any legal fees incurred if you are sued as a result of negligence in providing proper care.
Nursing home insurance policies typically come with additional benefits such as personal injury protection for employees and coverage for property damage caused by vandalism or theft. In addition, many policies provide coverage for lost wages due to illness or disability and may include coverage for legal defence costs should the nursing home face litigation from dissatisfied clients. Depending on the policy chosen, it is possible to extend this protection even further by purchasing higher levels of coverage which could include business interruption insurance and special provisions for disaster recovery.
When selecting a nursing home policy, it is important to consider unique aspects of your facility such as the number of residents, age demographic, physical location and more. At LDT Insurance we can help review your current policy and advise on potential gaps in your cover that need to be addressed to provide comprehensive protection against financial loss due to unforeseen events or negligence. By ensuring that you have the right level of cover in place, you can rest assured that your business is fully protected when it matters most.
