Lexington offers zoning coverage

NEW YORK151;Lexington Insurance Co. is offering insurance to protect commercial and residential real estate developers and lenders from losses due to changing zoning ordinances.

The new policy, called Zoning Restriction Protector Insurance, was designed for commercial and multi-tenant residential real estate owners and lenders who may incur significant damage to their property but cannot rebuild the same size building due to zoning issues.

The policy will provide the following coverage:

• It will insure lenders against a loss between the loan balance on the date of a property damage loss from an insured peril and the total insurance proceeds received due to property damage, if the same size building cannot be rebuilt due to zoning ordinances on the date of the property damage.

• It will insure, in conjunction with Lexington's standard building insurance policies, the owner for the loss of the net equity in whole or part as determined by appraisal after taking into consideration all debt and insurance recoveries, if the same size building cannot be rebuilt due to zoning ordinances on the date of the property damage.

New York-based Lexington has $40 million in capacity for the program.

To learn more about Zoning Restriction Protector Insurance, contact Ed Mazman, vp of property real estate at 617-443-4660 or at edward.mazman@aig.com.

CIGNA expands depression program

BLOOMFIELD, Conn.—CIGNA HealthCare is expanding the availability of its depression disease management program so that benefit plan sponsors can offer a single, consistent clinical program for depression across their entire workforce.

As part of the program expansion, Bloomfield, Conn.-based CIGNA will integrate and analyze data from an employer's health care and pharmacy benefits vendors along with the employer's behavioral health data to deliver depression disease management services. The program will be administered by CIGNA Behavioral Health. The program will also be available through Philadelphia-based CareAllies, a CIGNA unit that offers benefit plan sponsors and third-party administrators health management programs regardless of their medical plan or provider network.

The depression disease management program integrates behavioral, pharmacy and medical management data to more readily identify members with depression and assist them in receiving appropriate care.

Program features include, among other things, intervention and personalized coaching from CBH professionals, identification and intervention to avoid drug interactions and ensure appropriate pharmacy management of anti-depressants, and ongoing education and support for the member from behavioral health specialists to help them follow treatment protocols recommended by their primary care physician and coordinate referrals for more specialized care as needed.

For more information, con- tact Jodi Aronson Prohofsky at 800-433-5768, or visit www.cignabehavioral.com.

London American creates LTC program

HOUSTON—CareSurance is a new liability insurance program from London American Risk Specialists Inc. that is designed to meet the needs of skilled, assisted and independent long-term care facilities across the United States.

CareSurance starts with a comprehensive risk assessment of each facility to generate a quote based on the facility's risk profile.

The program also includes risk management tools from Lexington, Mass.-based consulting company LTCQ Inc. that provide clinical, operational and financial benefits to the facility such as:

• A Data Integrity Audit is done before state submission that includes instant online feedback on any inconsistencies. DIA results in more accurate Medicare and Medicaid reimbursements and proper regulatory compliance so clients have fewer fines and deficiencies.

• Risk Management Event Reporter is an easy-to-use Web-based tool for recording, tracking and trending adverse events.

• Data-driven customer satisfaction surveys and loss control, claims evaluation and defense capabilities.

• Ongoing guidance regarding risk management priorities and suggested remedies, including training, education or onsite consulting.

Coverage highlights include professional and general liability, including products and completed operations liability; sexual misconduct and physical abuse liability; employee benefits liability; tenants liability; medical expenses coverage; and an incident-sensitive trigger.

Limits of up to $5 million per claim and $15 million in the aggregate are available per nursing home, with deductibles from $10,000.

For more information about the CareSurance program, contact Mike Mullens, social service underwriting department manager, at 888-668-0789, or visit Houston-based London American's Web site at www.londonamericantx.com.

MANCOMM releases OSHA mandates guide

DAVENPORT, Iowa—To help companies in the oil and gas industry protect employees and stay compliant with Occupational Safety and Health Administration mandates, Davenport, Iowa-based safety-industry publisher Mangan Communications Inc., which does business as MANCOMM, has released "Oil & Gas Industry: OSHA Regulations from Parts 1903, 1904, 1910, & 1926 (Product No. 36B-002)."

The book, designed to take the place of several volumes of OSHA regulations, covers the following regulations pertinent to land-based oil and gas industry operations: Part 1903, inspections, citations and proposed penalties; Part 1904, recording and reporting occupational injuries and illness; Part 1910, general industry; Part 1926, construction; and letters of interpretation.

"Oil & Gas Industry: OSHA Regulations from Parts 1903, 1904, 1910, & 1926" is available for $89.95. To order, call 800-626-2666. For more information, contact Mark McLaughlin, director of communications, at 563-499-9046, or e-mail mmclaughlin@mancomm.com.