Philadelphia Insurance Companies’ Home Health CarePackage is insurance uniquely designed to fulfill a widerange of special insurance needs for the Home HealthCare sector. Each policy is custom tailored to addresseach insured’s unique exposures. We offer separate limitsfor General Liability, Professional Liability and Abuse &Molestation (if eligible). In addition, we offer a separateDirectors and Officers Liability policy.Key BenefitsGeneral Liability• Comprehensive General Liability – Limits to$1,000,000 per occurrence/$3,000,000 aggregate• Abuse and Molestation coverage available• Premises Liability• Personal Injury Liability• Volunteers as Additional Insureds• Employee Benefits LiabilityProperty• Blanket limits with large in-house capacity• Special Causes of Loss on buildings, contents,business income and extra expense• Crime, Equipment Breakdown, Inland Marineand all Property coverages under one policy• Agreed Amount endorsement availablewith property appraisalUmbrella/Excess Liability• Large Excess Limits availableAutomobile• Owned auto• Hired and non-owned auto• Volunteers as insureds• Hired physical damage exposures• Rental reimbursement for private passenger vehicles• Minimum physical damage deductibles of $500/$1,000Crime and Fidelity• Employee Theft may be provided for limits up to $25,000• Theft, Disappearance and Destruction of client propertyDirectors and Officers Liability• Defense costs in addition to the Limit of Liability• Most favorable venue wording for punitive,multiple or exemplary damages• Order of payments language with priority placedon indemnifying Individual Insured firstProfessional Liability• Occurrence or Claims-Made forms available• Separate coverage part so no erosion ofGeneral Liability aggregate limit• Provides vicarious coverage for sub-contractedphysicians, dentists and optometrists• Contingent, Vicarious Liability for employedand volunteer physicians• Primary Professional Liability for employedand volunteer physicians and dentists whilein the course of employment is availableBell Endorsement• Includes $50,000 limits each for Business TravelAccident Benefit, Donation Assurance, Emergency Real EstateConsulting Fee, Identity Theft Expense, Image Restoration andCounseling, Key Individual Replacement Expenses, KidnapExpense, Terrorism Travel Reimbursement, and WorkplaceViolence Counseling. $25,000 limits for each ConferenceCancellation, Fundraising Event Blackout, Political Unrest($5,000 per employee), Temporary Meeting SpaceReimbursement and $1,500 Travel Delay ReimbursementCrisis Management Enhancement Endorsement• $25,000 limit for crisis management emergency responseexpenses incurred because of an incident giving rise to a “crisis”Loss Control Services• Product specific web-based loss controlsolutions through LossControl.com• Free online interactive Defensive DriverTraining course and examination• Regular e-flyer communications on currentLoss Control issues and Large Loss Lessons Learned• Strategic partnership with best in class vendor for discountedbackground & motor vehicle record (MVR) checksDocuments Required for Proposal• Completed, signed, and dated PHLY HomeHealth Care Supplemental application• Completed ACORD application(s)• Currently valued insurance company loss runsfor the current policy period plus three (3) prior years• Copy of current facility license• Brochure, advertising materials and website information