Resident care
Consider professional and general liability around clinical services, supervision, premises, and resident safety.
Coverage for long-term care operations
Nursing Home Insurance
Nursing homes and long-term care facilities are responsible for resident care, safe premises, a substantial workforce, protected health information, and continuous operations. Coverage should reflect the level of care, resident population, staffing, property, and services provided.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Workforce exposure
Review workers’ compensation, employment practices, staffing models, and employee safety programs.
Continuous operations
Protect eligible property, equipment, income, data systems, and emergency response needs.
Insurance for nursing and long-term care facilities
Facilities differ in licensing, acuity, bed count, services, ownership, and staffing. Skilled nursing, assisted living, memory care, rehabilitation, and continuing care operations may require different underwriting and coverage.
- Professional liability and commercial general liability
- Abuse or molestation coverage, when available and appropriate
- Property, equipment breakdown, business income, and extra expense
- Workers’ compensation and employment practices liability
- Cyber liability and privacy-event response
- Commercial auto or resident transportation coverage
- Umbrella or excess liability
Risk details carriers may request
Expect questions about licenses, services, resident acuity, census, staffing ratios, background checks, training, incident reporting, fall and pressure-injury prevention, medication management, security, emergency planning, regulatory history, and prior claims.
Limits, exclusions, and defense provisions
Long-term care liability policies can differ significantly. Compare who qualifies as an insured, which services are covered, whether defense costs reduce the limit, available retroactive dates, consent-to-settle language, exclusions, deductibles, and aggregate limits.
Common questions
Nursing Home Insurance FAQ
What insurance does a nursing home need?
Needs vary, but facilities commonly consider professional liability, general liability, property, workers’ compensation, cyber, employment practices, auto, business income, and umbrella or excess liability.
Is nursing home professional liability claims-made?
Many professional liability policies are written on a claims-made basis, but forms vary. Retroactive dates, reporting requirements, and extended reporting options should be reviewed carefully.
Does one policy cover skilled nursing and assisted living?
Not automatically. Each licensed operation, location, service, and resident population should be disclosed and confirmed within the policy’s coverage.
Talk through your options