Month: November 2009

RCFE State Licensing – Mandatory!

Posted on by butlervetinsurance

RCFE State Licensing under Title 22 requires proof of insurance at time of application and during licensed operations. Similar to ADC and CDC operations, however it does not state what kind of insurance. This has left many facilities Owners and Administrators in a state of confusion and requests to licensing for answers have fallen short. Bottom line all Skilled and Non-Skilled facilities need to carry Business liability insurance, Commercial Property and in some cases Commercial Auto to be properly protected. Until now most Liability insurance rates for Assisted Living are based on Nursing Home or Skilled Care facilities, causing many who have researched, fear and no hope; that is until our SIA Senior Care Facility Insurance protection program came along.

Are YOU sure your business is properly protected? 

Call me today at 800-449-6762 – It’s Free.  Please leave any questions or comments that you may have below.

Health Care Facility Protection Advisor, Jim Nocero

Posted on by butlervetinsurance

Hello, my name is Jim Nocero, your Health Care Facility Commercial Protection Advisor. I have extensive knowledge in Care Facility operations and there Risk Management requirements. I believe we would both agree how important it is to reduce these costs and to assure our business and investments are safe and secure.
As a past RCFE owner and a Licensed Administrator, I understand the needs of your business/administration operations and keeping within its budget. With the addition of being a licensed insurance professional, I have broad insight in protecting your hard work and dreams with the best value available in the market.
Please feel free to contact me at 800-449-6762 for any additional information regarding our new and exclusive insurance program for Health Care Facility owners, available in California now through your total protection specialists at SIA.

Rental Car Coverage and Your Youthful Driver

Posted on by butlervetinsurance

As much as we don’t want it to at times, life happens. Part of life for some is auto accidents. Auto accidents where one is stopped in traffic, someone is not paying attention and rear ends another vehicle. Such was the case this week for one of our clients. Small caveat, she is under 21 years of age. The good news is, although sore, our young driver is ok. Her car? A different result, an extended visit to the body shop. Then a visit to the rental car facility as very few of can function without a car in today’s fast paced society. The rental rep realizes that our customer is under 21, checks their company guidelines which say they can only rent to persons under 21 in certain circumstances. Fortunately, our customers insurance policy transfers to a rental and allowed her to rent the car. But what if it did not?

I recall 10 years ago when we had mutliple youthful drivers in our household and a similar accident situation. Here’s a work around in this rental car situation IF you have multiple cars on your policy: the parent gets the rental car and the youthful driver gets to drive the other vehicle on the policy. Normally, most rental car companies will allow anyone over age 21 to 25 to rent a car.

It’s a pretty simple answer. We find a lot of emotion is present in accident situations and people need a quick solution.

We hope this helps you and your family if the unfortunate ever comes along.