Long Term Care Facilities

HUB International Ontario works with some of Canada's largest long term care providers and senior living facilities giving us a keen appreciation of the insurance challenges and potential liabilities faced by the industry. Because we are already "in the trenches", we understand how the long term care environment is affected by such things as funding and occupancy challenges. We can help providers anticipate new and evolving risks as they arise.

Risks to Understand

HUB International Ontario can design a tailor-made plan to meet the particular risks faced by your organization. Sit down and plan with us.

Protecting Your Organization

Your organization is constantly exposed to potential financial loss resulting from negligence. Some examples of such liability include injury to residents or the general public caused by:

  • Medical malpractice
  • Allegations of abuse
  • Administrative errors and omissions
  • Staff or volunteers using their own vehicles for business
  • Food or drug spoilage

Protecting Your Volunteers

In many cases, your volunteers give unselfishly of their time to help your organization reach its goals. It is important to protect them against any losses due to injuries or lawsuits.

Liabilities of Directors and Officers

Individual officers and directors need protection from potential liabilities that may result from their activity of governing the organization such as:

  • Breach of a Fiduciary Duty, Misrepresentation
  • Alleged wrongful employment practices
  • Bankruptcy related issues.

A lawsuit will immediately expose your board members' own personal assets and properties. The cost of financing defense can be devastating. HUB International Ontario has considerable experience in the area of Directors' & Officers' Liability Insurance.

Common Coverages

  • All Risk property
  • Property of residents/tenants
  • Food/Drug spoilage
  • Professional fees
  • Business income including extra expense
  • Infectious Disease
  • Boiler & Machinery
  • Commercial General Liability
  • Abuse Liability
  • Medical Malpractice
  • Employee Dishonesty
  • Directors and Officers Liability
  • Employment Practices Liability


Mona Krolak

Partner & Vice President, HUB International HKMB, Toronto
Email: mona.krolak@hubinternational.com
Phone: 416-597-4633

Mona joined HUB International HKMB in 2004 after 12 knowledge-building years at two Toronto brokerage firms. She stepped into a complex portfolio of accounts at HUB HKMB, including seniors residences. Mona’s service orientation has resulted in the expansion of HUB Ontario’s portfolio of Senior Living clients.