Clinical and resident care
Review professional and general liability around nursing services, rehabilitation, medication management, supervision, and resident safety.
Commercial coverage for skilled nursing operations
Skilled Nursing Facility Insurance
Skilled nursing facilities combine licensed clinical care, rehabilitation, residential services, substantial staffing, sensitive health information, and continuous operations. GLG helps SNF operators organize insurance around resident acuity, services, locations, workforce, and contractual responsibilities.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Workforce and premises
Consider workers’ compensation, employment practices, buildings, equipment, emergency systems, and business income.
Information and continuity
Address cyber incidents, protected information, vendor dependencies, network interruption, and response costs.
Coverage considerations for skilled nursing facilities
A skilled nursing insurance program commonly combines several policies. The appropriate structure depends on the facility’s licenses, bed count, resident acuity, clinical services, rehabilitation programs, staffing, ownership, contracts, and loss history.
- Professional liability and commercial general liability
- Abuse or molestation coverage, when available and appropriate
- Commercial property, equipment breakdown, business income, and extra expense
- Workers’ compensation and employment practices liability
- Cyber liability, privacy-event response, and network interruption
- Commercial auto or resident transportation coverage
- Umbrella or excess liability
Information underwriters may review
Carriers may request details about census, acuity, payer mix, staffing ratios, agency staff, credentialing, background checks, medication controls, fall and pressure-injury prevention, infection control, incident reporting, regulatory surveys, emergency plans, and prior claims.
Claims-made terms and coverage details
Professional liability forms can differ substantially. Review retroactive dates, extended reporting options, defense provisions, consent-to-settle language, exclusions, deductibles or retentions, sublimits, and aggregate limits before selecting coverage.
Common questions
Skilled Nursing Facility Insurance FAQ
What insurance does a skilled nursing facility need?
Needs vary, but SNFs commonly evaluate professional liability, general liability, property, workers’ compensation, cyber, employment practices, commercial auto, business income, and umbrella or excess liability.
Does SNF insurance cover rehabilitation services?
Coverage depends on the services disclosed, the professionals involved, and the policy definitions and endorsements. Rehabilitation services should be specifically included in the underwriting review.
Can one policy cover multiple skilled nursing locations?
It may be possible, but every legal entity, licensed location, service, and exposure should be disclosed and confirmed in the policy documents.
Talk through your options