Products

We are... solutions for specialty risks. MedSolutions,  offered by ASI Healthcare, provides customized liability insurance solutions for long-term care risks, including nursing homes, assisted and independent living facilities as well as their medical directors, staff and volunteers.

Coverage Options
The MedSolutions product portfolio offers a range of coverage options. Possible solutions range from traditional risk transfer coverage to state minimum compliance coverage.

Traditional Coverage
  • Limits of $1,000,000 per claim
  • Retention options available
  • Broad coverage form
  • HUD approved

Advantage Series

  • Professional liability limits from $1,000,000 to $500,000 per claim
  • General liability limits of $1,000,000 per claim are standard
  • First dollar and retention options available
  • Affordable alternative to traditional coverage

General Liability (BI/PD)

  • Limits up to $1,000,000 per claim
  • Significantly reduced rates
  • Retention options available
  • Coverage excluded for liability associated with residents

Compliance Coverage

  • $25,000 CSL is the norm; can offer additional limits where required
  • $20,000 deductible
  • Intended for regulatory compliance
  • Very low premiums
  • Not a significant source of risk transfer
  • Defense is inside the limits
  • Requires a third-party administrator

For policy specifics or any other questions surrounding the MedSolutions portfolio of liability products, please contact one of our courteous staff members or check out www.amsafety-healthcare.com/FAQs for more frequently asked questions.

Target Risk Characteristics

  • Small to mid-size owner operators
  • Focus on geriatric long-term care
  • Demonstrated commitment to clinical risk management and loss prevention
  • Stable ownership and management
  • Good state survey results
  • Acceptable 5-year liability claim performance

Responses to Frequently Asked Questions

  • We write on an excess & surplus lines basis in 46-states (Not approved in CT, DE and IA) and on an admitted basis in Oklahoma
  • We insure against claims of professional liability, general liability, employee benefits liability, and MORE
  • Our typical policy form is claims-made and reported
  • We offer an "incident sensitive" form
  • Our typical coverage form is written as "Pay on Behalf" and obligates us to a "Duty to Defend" your client
  • We can offer defense outside the limits for eligible risks
  • Where we intend to cover sexual abuse, we do it by endorsement... we do not subscribe to "silence" as being a prudent approach for such a volatile exposure
  • We provide bundled, top-notch, claims administration via experienced, on-staff healthcare liability adjusters
  • We utilize a broad "insured" definition that:
    • Will cover your medical directors, whether employed or contracted, for their administrative duties
    • Will cover your volunteers and nursing staff for their duties on your behalf