Nursing Homes

HUB International specializes in nursing homes, assisted and independent living facilities and continuing care retirement communities. With decades of experience in arranging insurance and risk-management programs tailored to the unique insurance needs of long term care facilities, HUB’s healthcare practice is comprised of professionals from one of the most well-known nursing home industry brokers, formerly known as Hirsch Wolf.

At HUB International, we pride ourselves on the longstanding and direct relations with key industry people, eliminating the middle man and offering multiple pricing and coverage options for you, the client.

Current classes of specialization include:

• Skilled nursing home facilities  
•  Assisted living facilities                                                                                                                                                                                                                                                                                                                               
•  Independent living facilities
• Continuing care retirement communities
• Alzheimer’s specialized care facilities
• Adult day care facilities

Why HUB International?
With loyal clients who have been on the books for 20-plus years, HUB International offers:

• Over 40 years of professional experience in the industry
• Strong carrier relationships
• Products and services for both nonprofi ts and proprietary facilities
• High deductibles and self-insured retentions for facilities that want to share the risk for a reduced premium

Options and Expertise. It’s that simple. Because of HUB International’s size, combined experience and longevity in the industry, our market clout enables for us to work directly with many insurer partners in order to negotiate favorable pricing and the most appropriate coverage for your business.

As dedicated healthcare insurance specialists, HUB International is aware of the current industry trends and distinct risks. We know that every facility is unique and has its own set of needs, which is why we take the time to get to know your operation and match the right products and services to fit your particular requirements.

• We offer specialized products and services, including:
• Professional and General Liability
• Excess Liability (high limits available)
• Property Coverage for buildings, personal property and business interruption
• Automobile (including private passenger and transport vans)
• Boiler
• Crime
• Workers’ Compensation
• Directors & Officers (including employment practices liability)
• Employee Benefits (including medical and life)
• Resident Funds Bonds
• Voluntary Employee Benefi ts (on payroll deduction plans)
• Violation of Resident’s Rights
• No exclusion for physical & sexual abuse
• Protection for medical directors while acting within the scope of their administrative duties
• Facility Barbers & Beauticians Coverage

We view ourselves as your business partner and our specialists are committed to offering the best protection for you and your residents, the finest insurance value for your premium dollar and first-rate customer service. Some of the ways we focus on helping to balance your needs is through offering cost-effective programs that provide unique coverage and superior protection, including:

Residents’ Fund Bonds. HUB International understands the requirements of both the U.S. Department of Health and the requirements of each individual state, and we know that just endorsing the resident’s funds onto your employee dishonesty does not comply with federal regulations. That’s why we’ve teamed with various bonding companies to provide Resident Fund Bonds at very competitive rates. Furthermore, if your bond needs are under $250,000, we may be able to get your bond within hours and without the need for financial statements.

Workers’ Compensation. We provide competitive workers’ compensation programs in most states, utilizing guaranteed cost programs as well as dividend, deductible and even self-insured programs.

Automobile. Many healthcare facilities provide transportation services for their residents, whether a day-long excursion to a trip to the grocery store. We can provide coverage for resident vans as well as for private passenger vehicles.

To keep up with your growing needs, we actively stay in contact throughout the year to assess any changes in operations that might affect coverage. We then provide counsel to aid in a clean, easy-to-understand renewal process, as well as offer such products and services as:

Loss Control. We understand that claims not only adversely affect your insurance premiums, but they can also hurt your reputation. Through our partnerships with insurance companies, we can provide the best accident and injury prevention programs available.

Risk Retention. The experts at HUB also have the ability of arranging risk retention groups for facilities that may be interested in this alternative option.

Contact a HUB Specialist today info@hubinternational.com