Property & Casualty Insurance

Our long-term care clients range from small, stand-alone community entities to national operators with hundreds of facilities in their portfolio.

Hamilton has remained exclusively focused on developing efficiencies and cost saving strategies for senior housing communities and long-term care facilities for more than 40 years. Additionally, strong carrier relationships enable Hamilton Insurance to offer clients tailored, cost effective coverage best suited to their specific needs.

By leveraging longstanding relationships with lenders and carriers, we are able to craft tailored insurance programs for our clients at economical costs. In order to achieve the ultimate goal of protecting your bottom line, we proactively assess risk and implement solutions through our industry-leading proprietary technology. Our services include detailed claims analysis, lender requirement review, proactive claim reserve review, assessment adequacy of property valuations, contract and lease review and the exploration of risk transfer options.

The following commercial and personal lines are available:

Commercial

Property
General Liability
Professional Liability including Medical Malpractice
Captive and Alternative Risk Insurance Programs
Workers Compensation
Automobile
Umbrella Liability
Directors & Officers Liability
Employment Practices Liability
Cyber Liability
Active Shooter Coverage
Flood Insurance
Patient Trust Bonds
Government Billing E & O

Personal

Homeowners including Condos, Co-ops & Renters
Automobile
Umbrella/Personal Excess Liability
Valuable Items/Floaters
Recreational Vehicles

Skilled Nursing Facilities

Independent Living, Assisted Living and Memory Care

Rehabilitation Centers

Home Health Care

Hospice

Real Estate and Construction

Risk Management

Understanding insurance needs and limiting your exposures

HIA adheres to a proactive philosophy when creating insurance programs for its healthcare clients. Identifying and mitigating losses before severe damage or injury occurs is the optimal way to manage and control claims to benefit your organization’s financial bottom line.

After a client is onboarded, Hamilton’s veteran team begins with inspections and risk evaluations of facilities to understand the communication and control occurring from a Property, Auto and WC exposure perspective. Based on these evaluations, we develop a plan of action, implementation and monitoring for maintenance, safety protocols, loss prevention, staff training and vendor risk transfer review.

Through a partnership with our proprietary technology resource ServarusRM, we provide comprehensive risk management solutions dedicated to improving quality of care while reducing costs associated with preventable risks. Our behind the scenes efforts ensure that your employees can focus their undivided energy on real time care for residents.

Our cutting-edge, user friendly technology streamlines quality assurance and risk management data by identifying and analyzing root causes of events to thwart or mitigate future incidents. Within seconds, the system can generate detailed reports to help track and manage events, revealing opportunities to prevent potential losses and future claims, decrease liability exposure and increase overall quality of care. Our risk management tool ERMA provides the following:

Secure Web-Based System
Dynamic Reporting
Medical Records Request
24 Hour Alert System
Policies & Procedures
Quantitative Data for QAPI
Custom Benchmarking & Reporting
Corporate Dashboard
Survey Tracking

Unplanned Hospital Discharge (UPHD)
Changes in Resident Status
Wound Management/ Skin Integrity
HUD Third Party Fulfillment
Medication Error
Safety Teams
Risk Management Assessments
Pharmacy Variance
Incident Tracking

Workers’ Compensation Consulting

Ergonomic Staff Training
Safety Program Review
Experience Mod Review
Workers’ Comp Audit Review

Workers’ Comp NCCI Code Review
OSHA Training
OSHA Compliance Logs Review

For more information or to request a quote, contact us today!