Downloadable Reports

An analysis of historical Worker’s Compensation premium prices and data related to two of the major class codes, 8829 and 9070, associated with BRMS clients such as Assisted Living and Nursing Home facilities.

Employment Practices Liability has become one of the leading exposures that threaten nursing homes, assisted living facilities, home health care agencies and other long term care providers. The long term care industry suffers from a relatively high incidence of Employment Practices Liability (EPL) claims. There are several underlying factors which contribute to this phenomenon.

BRMS Insurance Services has been appointed by GuideOne Insurance®, an “A”1 rated insurance carrier, to offer admitted liability insurance to California’s best nursing homes and assisted living facilities. Until this product entered the California marketplace, long-term care facilities were, for the most part, left with less attractive alternatives to cover the significant liability risks associated with providing care. Now that this superior option is available, first-class administrators and other long-term care executives must acquire a basic understanding of admitted versus non-admitted insurance.

Working as a care giver in a long term care setting is consistently one of the most hazardous jobs. It is our duty as care givers, administrators, and operators to create a safe environment in which our employees and colleagues are able to provide good care without suffering avoidable injuries.

It is common knowledge among insurance professionals that insurance premiums continuously rise and fall over time in a loose pattern called “The Underwriting Cycle.” There are three main factors that affect this cycle: Competition, Government Action, and Loss Control Efforts.

On September 30, 2009, the Occupational Safety and Health Administration (OSHA) issued a directive to establish procedures for increased employer inspections in high injury businesses (e.g. nursing homes and other long term care facilities), who report low rates of injury. (www. osha.gov/OshDoc/Directive_pdf/CPL_02_09- 08.pdf) On September 28, 2010, the developed procedures were put into practice. Thus began a national effort to plan and carryout inspections that focus on recordkeeping. (www.osha.gov/ OshDoc/Directive_pdf/CPL_02_10-07.pdf) On April 5, 2012 OSHA initiated a program to focus resource specifically on the inspection of care facilities. (www.osha.gov/OshDoc/Directive_pdf/ CPL_03-00-016.pdf)