Highlights Include:

• AM Best Rated carrier
• Bed rates as low as $400 per bed
• PL/GL Limits from $1 Million to $20 Million
• Sexual Abuse and Molestation included with additional limits
• Deductible as low as $0
• Onsite Loss Control

• Shomer Exclusive program
• Claims Shadowing
• No Minimum Premium
• Competitive rates including large premium credits on high payrolls
• Loss Control including in-services
• All Healthcare Class Codes acceptable
• Dedicated claims adjuster & loss control

• AM Best Rated carrier
• Comprehensive Proprietary Property Coverage
• Special causes of loss on building, contents, loss of income, and extra expense
• Resident’s Personal Property Coverage
• Back Up of Sewers and Drains included as a cause of loss
• Coverage for building foundations, underground pipes, flues, and drains
• Owned Automobiles including transportation of residents

• Optional additional defense cost limit
• 70/30 settlement clause
• ‘Pay on behalf’ option available
• Wage & Hour defense coverage available to qualified insured’s
• Third party coverage extension available
• Coverage for leased, temporary and seasonal employees and independent contractors
• Coverage for harassment of a sexual and non-sexual nature
• Coverage for violation of Family Medical Leave Act
• Defense coverage for breach of written employment agreement