As the owner of a senior living facility, you are focused on providing a pleasant environment for your residents and a great workplace for your employees. Unfortunately, operating a business can bring a minefield of claims and lawsuits from both residents and staff. Pharmacists Mutual steps in to help provide the dependable service and financial support you need during your most challenging times. We bridge an important gap by providing insurance coverage to help your business recover from loss or litigation.
What is covered with commercial property insurance?
Commercial Property – Your senior living facility is more than just its reputation. You have physical assets that you must protect. That’s why you need commercial property coverage to protect your buildings, business equipment, and other personal property.
VISTA Business Package Property Coverages
Pharmacists Mutual Insurance Company offers industry-specific property coverage through our VISTA business package policy. VISTA property coverages include protection for:
- Business equipment and computers
- Valuable papers and records
- Equipment and property in transit
- Loss of business income or earnings
Are there any additional options to consider?
What if an employee slips on the sidewalk outside your building? What if an employee injures their back while trying to pick up a client who has fallen? What if an employee injures their shoulder retrieving a box from a supply rack? When employee injuries occur while working, a workers’ compensation policy provides you with the coverage and benefits needed and mandated by state law. When you purchase a Workers’ Compensation policy through Pharmacists Mutual, you can count on our policy to be offered at a competitive rate, with superior risk management services to help reduce losses.
Commercial Auto - Business Auto Protection including Resident Transportation
Whether you own or lease a single vehicle or a fleet, we have coverage available to help protect you. Assisted living facilities providing resident transportation face a higher risk during transport or while helping patients in and out of vehicles. Limits of liability up to $1 million are available.
Coverage Options Include:
- Auto Liability
- Medical Payments
- Personal Injury Protection
- Uninsured & Underinsured Motorists
- Physical Damage
- Rental Reimbursement
- Towing & Labor
- Non-Owned & Hired Auto Liability
Types of Vehicles:
- Private Passenger Vehicles
- Pickups & Vans
Not available in Hawaii, Puerto Rico, or Massachusetts.
For more information on products and coverage, contact your local field agent.