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Program Brokerage Corporation

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Program Details -

Nursing Home Insurance


Coverages Offered:

  • Pollution Liability Coverage: Claims-made coverage with Defense within the Limits
  • Bodily Injury and Property Damage Liability (Options for Prior Acts Coverage)
  • Reimbursement of Mandated On and Off-site Clean-up Costs
  • Business Interruption
  • Legal Expense & Defense

Covered Exposures:

  • Mold Conditions
  • Bacterial and Viral Contamination
  • Fumes from chemical containing products installed in buildings; e.g. wall to wall carpeting, fresh paint and wall coverings and cleaning materials
  • Exposure to pesticides and herbicides applied at the facility
  • Improperly handled medical waste
  • Chemical, radiological or biological terrorist attack
  • Fumes and gases from outside sources impacting the facility


USA excluding Puerto Rico and the US Virgin Islands but including incidental Canadian location(s) to a US domiciled insured

Target Business:

  • Nursing Home Facilities
  • Assisted Living Facilities
  • Adult Care and Rehabilitation Facilities
  • Alzheimer's and/or Dementia Facilities
  • Independent Living Facilities

Minimum Premium:

  • $7,500

Not Eligible:

  • The applicant's facility must be licensed by the state and in good standing
  • Insured employees as well as the administrator must be qualified and trained in accordance with

state certification requirements

  • The program will require that the applicant has a satisfactory Environmental Management & Compliance Procedure in place

Required Documents:

  • PBC Eldercare Environmental Liability Application (Available via Web site)

About PBC:

Program Brokerage Corporation (PBC),, is the wholesale subsidiary of HUB International Group Northeast Inc. A powerful market resource for brokers and agents, we are also a partner for carriers reaching out to the commercial insurance buyer in innovative, cost-effective ways. We've pioneered an innovative approach to Purchasing Group Insurance buying, which has won popular acclaim.

For more information contact:

Gary Shapiro
Phone: 516-496-1346

Tom Henderson

Phone: 212-338-2946

Locations Served : Alberta, Alaska, Alabama, Arkansas, Arizona, British Columbia, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Manitoba, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, New Brunswick, North Carolina, North Dakota, Nebraska, Newfoundland, New Hampshire, New Jersey, New Mexico, Nova Scotia, Nevada, New York, Ohio, Oklahoma, Ontario, Oregon, Pennsylvania, Prince Edward Island, Quebec, Rhode Island, South Carolina, South Dakota, Saskatchewan, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming