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Eldercare Healthcare

Eldercare organizations face enormous risks from allegations of abuse, improper care, medication mismanagement and falls and elopements. These organizations deserve the protection of a comprehensive solution with tailored coverages and risk management services designed by our highly-specialized experts. Plus, The Hanover's dedicated underwriting team is built on a strong foundation of expertise in the Eldercare sector.

Target Appetite

Our strategy is to partner with a limited number of agents that have deep expertise in this industry aligned with a flexible solution that can be customized to meet the needs of Eldercare organizations, including:

  • Assisted living facilities
  • Continuing care facilities
  • Skilled nursing facilities
  • Independent living communities
  • Memory care and Alzheimer's
In addition, our product appetite can extend to cover many of the ancillary services provided by Eldercare organizations including meals on wheels, adult daycare, home healthcare, hospice, etc.

We are not a market for national chains, primary psych facilities and Section 8.

Not available in: AK, AL, AR, AZ, CA, FL, HI, IL, KS, KY, LA, MO, MS, NJ, NM, NV, OK, TN, WV.

Product Offering

Our dedicated underwriting team of Eldercare specialists offers a broad multi-line offering for the Eldercare industry that includes core coverages and industry specific coverage enhancements.

Core Coverages

  • Comprehensive Professional & General Liability policy offered on Hanover surplus lines paper
  • Broad Professional Liability form that includes coverage for administrative services, medical director, residents' rights, proctoring services and vicarious liability
  • Affirmative coverage grant for Physical Abuse, Sexual Misconduct, and Sexual Molestation Coverage included within General Liability
  • Property offers expanded protection through Property Broadening Endorsements and additional coverage options such as Emergency Event Management Coverage and Data Breach Coverage
  • Commercial Auto
  • Commercial Umbrella

Industry Specific Coverage Enhancements

  • Administrative Defense Coverage
  • Innocent Party Defense Coverage
  • Religious Counseling Professional Coverage

Additional Specialty Coverages

  • Inland Marine Coverage
  • Surety Bonds including Patient Trust Fund Bonds and Medicare DMEPOS Bonds
  • Fidelity and Crime Coverage
  • Employee Benefits Liability Coverage

The Hanover Eldercare Advantage

Assisted living and skilled nursing facilities face complex exposures that only exist in the eldercare industry.  As a result, eldercare organizations require very specialized insurance solutions.  Our Eldercare Advantage solution protects against the unique risks faced by eldercare organizations.  Unlock the Hanover Advantage:

Significant Experience — Our seasoned management, Claims Professionals, and Underwriting Team have over two decades of experience in the healthcare industry.

Industry Experts — Direct access to a dedicated Healthcare Underwriting Team that has in-depth experience in this industry.

Competitive Products — Flexible, customizable solutions address the unique needs of the healthcare industry, offering unique coverage to differentiate your sales and services.

Full Product Range — Offering comprehensive and tailored protection for your clients.

Dedicated Claims Team — Our Claims Professionals have first-hand healthcare industry experience as nurses and medical malpractice attorneys. Claims services include: 24-hour first call and a customer care team providing support 24/7.

Risk Management Services — Assist customers in helping to improve quality of care and minimize loss.

Policyholder Website — Provides immediate access to a wide range of risk management tools and information, including safety topics, discounts to valuable third-party services, and much more.

Trusted Partner — Support and financial strength of an "A" rated leading insurance carrier.

Contact Us

Contact a member of our team who can help you develop tailored management and professional lines solutions for your clients.

Jon Martin
VP, Distribution Management
MI, OH
269-240-8118
jonmartin@hanover.com

Aaron Brown
Regional Distribution Director
AZ, CA, ID, MT, NM, NV, OR, UT, WA, WY
949-202-8559
cabrown@hanover.com

Adam Bennett
Regional Distribution Director
CO, IA, IL, IN, KS, KY, MN, MO, ND, NE, SD, WI
952-484-8907
abennett@hanover.com

Jim Cramer
Regional Distribution Director
AR, KS, LA, MO, OK, TX
469-318-5153
jcramer@hanover.com

Margaret Teta
Regional Distribution Director
CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT
860-597-7967
mteta@hanover.com

Shannon Juedeman
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN, VA, WV
678-230-2514
sjuedeman@hanover.com


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