Frequently Asked Questions

Application Process

Coverage and Benefits

Rating, Premium and other Costs


Claims and Risk Management


Where can I send submissions or questions?

LeadingAge Insurance Program Administrator
Aon Affinity Healthcare
1120 20th Street, N.W.
Suite 600
Washington D.C. 20036
Call 215.773.4636 or fax 847.953.0925

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What are the unique benefits to accessing a program that is recommended by an association?

Aon Affinity Healthcare is proud to have been selected as the recognized insurance program provider for LeadingAge, lasting over 30 years. By partnering with LeadingAge, we are held to specific guidelines, have specific pricing for their members, and we maintain a deep understanding of the challenges faced by senior living facilities. This program offers exclusive access to the Aon Quality Institute, an online risk management course that provides, upon successful completion: 1) a 10% premium credit towards your professional liability and general liability; 2) continuing education credits towards your professional licensure; and 3) a program engaging your staff with quality risk management practices. As a result of our relationship with LeadingAge, we are responsive with evolving coverage that is broad and competitively-priced.

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What type of coverage enhancements are included?

General Liability

  • Crisis Management Coverage
  • E-Discovery Regulatory Investigation Expenses

Professional Liability:

  • Administrative Proceeding Expense Reimbursement
  • Clinical Trials, Counseling Service, Social Service, Beautician and Barber Services included

Directors’ & Officers’ Liability:

  • Emergency Medical Treatment & Active Labor Act (EMTALA) Sublimit
  • Health Insurance Portability & Accountability Act (HIPPA) Sublimit

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Who are the carriers (underwriters) for these programs?

We place the General Liability / Professional Liability, Auto, Crime, Property and Umbrella with Zurich and Directors' & Officers Liability Insurance with Arch Insurance Company

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Is it pay on behalf of?

The General Liability / Professional Liability form is "pay on behalf of."

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What is the Volunteer Protection Act?

The federal Volunteer Protection Act was passed in 1997 as a means to protect the personal assets of those who volunteer their time to a service organization. This act was passed in response to escalating liability claims against not-for-profits and public service organizations.

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Does every state have a Volunteer Protection Act?

Most states have their own versions of this legislation to define the parameters of liability within their jurisdictions. These state laws apply only to organizations domiciled within the state.

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Who does the Volunteer Protection Act protect?

The laws are designed to protect only those individuals that are not compensated for their service to the organizations. This specifically excludes all paid employees.

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Who is left vulnerable?

Since the protection applies only to volunteers' personal liability, the liability of the organization itself is not protected.

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What is the Fair Housing Act?

The Fair Housing Act was enacted to prevent unfair housing practices involving discrimination due to race, color, national origin, age or religion. In 1988, the act was amended to include accessibility to the handicapped.

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How is the Fair Housing Act connected with the Americans with Disabilities Act?

The Americans with Disabilities Act goes one step further and mandates that those with disabilities must be "reasonably accommodated" at a broad range of facilities, whether they were constructed to accommodate those with disabilities or not.

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How do these acts impact not-for-profit facilities for the elderly?

The significance of both of these laws, now working together, is that not-for-profit facilities that provide services to the elderly must be accessible to persons with disabilities and provide "reasonable accommodation."

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Are new ventures accepted? If so what is the criteria?

New ventures are considered on a case-by-case basis. Underwriting decision is made based on: Type of operation; Experience of owners and senior management; pro forma or budget, etc.

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Is there a minimum premium?

There are no minimum premium requirements for General Liability/Professional Liability (GL/PL), package policy, auto or Directors’ and Officers’ Liability (D&O).

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What is the rating basis, beds, receipts?

GL/PL rating basis for long term care risks is number of licensed beds; for home & community based services risks the rating basis is receipts.

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Is there a charge to be a member of LeadingAge?

The significance of both of these laws, now working together, is that not-for-profit facilities that provide services to the elderly must be accessible to persons with disabilities and provide "reasonable accommodation."

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Are either products direct bill?

All products are agency billed; Aon Affinity Healthcare sends the agency an invoice which must be paid net of commission within 30 days of the effective date.

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Is there risk management available?

The Aon Quality Institute is an easily accessible, web based risk management course available to Leading Age member insureds. Upon successful completion of the course a 10% credit will be applied to your general liability and professional liability premiums through this program. In addition to the credit, the course is approved for continuing education credits. More importantly, using AQI as part of your risk management program will help to mitigate potential loss exposure.

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What types of employment related lawsuits are most common?

There are three types of lawsuits that are most common today:

  1. Wrongful termination — the discharge of an employee for invalid reasons
  2. Discrimination — the denial of equal treatment of employees who are members of a protected class.
  3. Sexual Harassment — when the employees are subject to unwelcome sexual advances, obscene or offensive remarks; or the failure to stop such behavior.

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What are some strategies to use to combat such lawsuits?

It is important to have a properly designed and carefully worded employment manual or handbook in place that details all policies, procedures and terms related to employment. In many states, an employee is entitled to reasonably rely on the procedures outlined in an employee manual. In fact, some lawsuits can be avoided if management had developed and followed a properly designed employment manual.

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What are some of the average amounts associated with defending employment related lawsuits?

An industry study conducted by The Wyatt Company found that win or lose, for the average liability claim, legal fees and related defense costs average over $114,000 — not including settlement amounts.

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For personal assistance:

215-773-4636 (phone)
847-953-0925 (fax)

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