Lewis & Clark - Affordable Liability Insurance For Long-Term Care Facilities, Nurses & Allied Healthcare Professionals

Membership: Long-Term Care

How to Become a Shareholder....
Open to qualified long-term care facilities in 48 states Stock purchase required/one time charge ($50 per licensed bed for Skilled Nursing Facilities, Intermediate Nursing, Assisted Living Facilities, and Continuing Care Retirement Communities) Shareholder must accept risk management and claims protocols


Shareholder Benefits....
Access to quality coverage Competitive prices Book value of stock doubled since inception


Limits available....
$250,000 / $500,000 $500,000 / $1,000,000 $1,000,000 / $3,000,000 $2,000,000 / $4,000,000

Coverage Highlights....
Claims Made and Occurrence Policy Forms Available Per Claim Minimum Deductible: $0 Per Claim Maximum Deductible: Negotiable Punitive Damages Excluded Defense Costs Inside The Limits Annual Premium Subject To Underwriting Optional Sexual/Physical Abuse - Up to $1,000,000 Sub-Limit Risk Management Protocols Required Claims Management Protocols Maximum Term - One Year Million Dollar Limits Subject To Alternate Program Terms Coverage For Home Health Care Agencies Available Including Non-Owned and Hired Auto "A Exceptional" Rated by Demotech A.M. Best "A" Rated Reinsurers


Submissions Should Include....
SNF and/or ALF Application for each location Five years' loss runs valued within 90 days Latest state survey, life safety code report, plan of corrections, and compliance form plus any compliant surveys and/or follow-up surveys for the past year Current HCFA 671 & 672 (Skilled Nursing and/or Intermediate facilities only)	Quality indicator reports (Skilled Nursing Only) Oscar reports (Skilled Nursing only) Current state license Most recent financial statements Skin care protocols Copy of elopement procedures Resumes of Administrator, Director of Nursing, and Risk Manager


Needed Prior To Binding....
Subscription agreement/signature required Shareholder's agreement/signature required Acknowledgement of offering statement/signature required Signed Proxy

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