AP Blog

By Jason Wissmiller, 08/11/2020
We often receive phone calls from clients and prospects asking for a general liability policy to satisfy an insurance requirement in a contract, such as an airport lease. Like most insurance products, clients buy an aviation general liability policy with little knowledge of what the policy actually covers. In...
Read more...

By Mark Holt, 08/03/2020
N-95 masks have been the subject of increased focus by OSHA. These masks were originally designed for industrial use in sectors such as mining, construction, painting and manufacturing. Designed to filter out airborne particulates, they have a logical place in the healthcare setting to control airborne diseases...
Read more...

By Trevor Gilstrap, 07/29/2020
Fracking is a method that has been in use for decades but has become the hot buzz word in recent years, and is the alleged cause of everything from tainted water to silicosis. Regardless of your opinion on these growing allegations, these types of lawsuits from upset citizens are increasing throughout the...
Read more...

By Chris Pavone, 07/28/2020
Trucking’s role in keeping goods, materials and the economy rolling during the global pandemic has been nothing short of phenomenal and will certainly play a role in re-establishing “normal” supply lines depleted by hoarding households and profiteering resellers. Hopefully, everyone in the...
Read more...

Growing rates of healthcare workers are experiencing physical and psychological injury as a result of workplace violence related to resident care. A staggering 95% of healthcare workers have reported exposure to aggression. However, research has found that workplace violence is underreported, signifying that...
Read more...

07/15/2020
When setting up a flying club, or managing an existing flying club, there are several things you can do to make yourself more attractive to an underwriter. By making yourself more desirable to an underwriter, you can maximize your coverage and minimize the premiums you pay. Here are our Top 10 Flying Club...
Read more...

By Nathanael Alexander, Esq., 07/14/2020
On July 8, 2020, by a vote of 7-2, the Supreme Court of the United States (SCOTUS) in their Little Sisters of the Poor decision upheld Trump administration rules permitting employers to decline contraceptive coverage (including preventative health services, birth control pills, IUDs, etc.) on the basis of...
Read more...

By Nathanael Alexander, Esq., 07/08/2020
On June 15, 2020, the Supreme Court of the United States (SCOTUS) held in Bostock v. Clayton County, Georgia that Title VII of the Civil Rights Act of 1964 bars an employer from firing an individual merely for being gay or transgender. In its ruling, the Court noted that it is “impossible to discriminate...
Read more...

By Gina Ekstam, 07/08/2020
Agribusiness worksites, shared worker housing, and shared worker vehicles present unique challenges for preventing and controlling the spread of COVID-19. Joint guidance by the CDC and DOL provides a template that employers can adapt to protect their workers. Through thoughtful planning, it is possible to...
Read more...

By Nathanael Alexander, Esq., 07/02/2020
Due to the COVID-19 pandemic, countless employees with young children have opted to utilize the time off provisions of the Families First Coronavirus Response Act (FFCRA) in order to provide care to their children in lieu of school and day care center closures nationwide. Now that schools are closed and a vast...
Read more...

How Senior Living Communities Can Combat Rising Claims
12/15/2016

A recent report released forecasts the loss rate for long-term care facilities will increase by 6% in 2017 with claim frequency driving the increase at an expected 2% growth rate.  This will be the fourth year in a row that the annual cost to defend, settle or litigate claims will rise, going from $2,150 last year to $2,350 per occupied bed.

With this knowledge, what can senior living facility management do to reduce or cap their claims? Here are a few options:

•    Evaluate the current admission and discharge processes to identify if resident care needs can be provided not only for new admissions but also for those currently in your community.  During the admission process challenge your thoughts on the ability to provide the necessary care and services as well as the family dynamics of future residents.  Many times the health of a current residents declines and the existing environment is no longer safe or care needs exceed the ability to provide quality care.  How has your community planned to address discharge to a more appropriate setting?
•    Educate family members on realistic expectations relative to the care and services provided in a senior living setting.  Family members need to be reassured they are making the best decision for their loved one as well as the realities of nursing home life.
•    Implement an adverse event management process which focuses on those resident events that correlate to survey deficiencies as well as potential professional liability claims or lawsuits.  This process engages a clinical risk manager to assist community staff in identifying appropriate interventions as well as documentation and family communication.  By quickly managing these events communities are able to mitigate financial risk associated with surveys and liability insurance.

With rising costs, senior living facilities should be aware of ways to improve the efficiency, safety and success of the organization.  The right preparation can help senior living facilities cut costs stemming from claims. If you’re looking for ways to minimize risks and cut costs, visit AssuredPartners Senior Living.

Source: Aon Global Risk Consulting - 2016 Long Term Care General Liability and Professional Liability Actuarial Analysis