Healthcare - The Rampart Group Insurance Associates - NY, NJ - Commercial, Personal, Healthcare and Employee Benefit Programs

The Rampart Group specializes in providing coverage for a wide variety of health/medical centers and organizations, and has vast experience and expertise within the changing healthcare market. Our insurers who specialize in this challenging industry provide a valuable service for our clients which include numerous Long Term Care Facilities, Adult Day Care Centers, Assisted Living Facilities, MRI Centers and community clinics. In addition, we are endorsed by the New York State Health Facilities Association and serve as administrators of their insurance programs.

Within our Healthcare Unit, we employ two Workers Compensation Claims Specialists who work exclusively with our clients to help them manage their Workers Compensation losses in a number of ways. These specialists serve as a liaison between the facility, the injured employee, and the insurance company's claims staff. They are charged with making sure that injured employees are receiving the proper course of treatment that is designed to return them to work as soon as possible after the injury occurs, and that the carrier's loss reserve (an estimate of the ultimate maximum exposure on any given claim) is accurate and appropriate for the circumstances of the particular claim. Our specialists will review the carrier's elected course of action on any given claim, monitor the progress of treatment and recovery, and keep you advised of the “return to work” status. You will receive the benefit of quarterly reports that will advise you of the status of every claim. They will also maintain contact with injured employees who are out on lost time to try to encourage their prompt return to work.

Property
General Liability
Automobile Liability
Umbrella Liability
Workers Compensation


	My facility will often hire volunteers, usually students or local retirees, to come in and perform a variety of functions. If a resident is injured while being cared for by a volunteer, will the facility be covered by our insurance?
	In virtually all cases, volunteers are included as part of "Employees" under the policy definition of "Who Is an Insured?" You would have to consult your individual policy, but we would always recommend that such a policy be secured.

	Our facility has had a history of frequent employee turnover. For this reason, we have simply not been able to manage our Workers Compensation claims until recently. As a result, our experience modification factor for Workers Compensation is running at a high debit. Can you suggest some ways to help us turn this around?
	Yes, we can. We will work with you and your management staff to implement certain practices and protocols that will serve to improve your modification over time and convert the debit you now face to a credit that will reflect these improvements. These include the use of a "Medical-only" protocol for certain types of non-severe claims that involve no loss of time, as well as the development of a prescribed "Light-Duty/Return to Work" program to reduce the size and duration of lost time claims. Our staff of Workers Compensation Claims Specialists will visit with you, attend Staff Safety Meetings, and work in conjunction with the insurer's claim representatives and Loss Control Consultants to help you reduce both the frequency and severity of compensable employee injuries.

	Our facility was built in 1959. We recently reviewed the limits of insurance on our Property policy and are comfortable that we have adequate limits for our Building, Business Personal Property, and Business Income/Extra Expense. Are there any areas that we might have overlooked?
	Yes, there are. You need to consult with your agent to review an area that is often overlooked called Increased Cost of Construction/Ordinance coverage. Certainly, Health Department and local Building Department requirements for Healthcare facilities like yours are likely to have changed significantly since 1959. You may now be required to meet building codes for such items as automatic sprinklers or to accommodate disabled people as prescribed by the Americans With Disabilities Act, none of which would be included under your current policy, even if you had Replacement Cost coverage, since they were not in place prior to any loss

Interested in our Healthcare Services?