Comprehensive Coverage for Senior Care
Facilities of All Types
Mitigating Risks in a High-Stakes Industry
From independent living communities with amenities like clubhouses and golf courses to skilled nursing facilities offering 24/7 healthcare support, we can design tailored insurance solutions to ensure complete protection. Senior living facilities face unique risks, including commercial liability, property losses, medical malpractice, and employee injuries. Residents may have varying levels of health needs—some may require regular nursing care or support for conditions like Alzheimer’s or intellectual disabilities—making it essential to have coverage that accounts for these complexities. Our carriers work with facilities to implement loss control strategies, helping to minimize and manage the impact of unavoidable incidents.
Specialized Experience in Senior Care Insurance
With years of experience in insuring a wide range of facilities, we have developed strong partnerships with top-tier carriers to offer customized Package insurance products that cover multiple lines of coverage. Our deep industry knowledge and access to quality insurance programs allow us to address the distinct needs of the senior living sector. Despite rising rates in the industry, we collaborate with national carriers known for competitive pricing and comprehensive coverage, ensuring that your facility remains protected without compromising on value.
Tailored Solutions and Competitive Rates
As the costs of insuring senior living facilities increase, our agency is committed to securing the best possible rates for our clients. We understand the financial demands of running these facilities, and we work closely with carriers to maintain cost-effective solutions that deliver reliable protection. With our agency, you receive dedicated support, competitive pricing, and robust coverage tailored to your specific needs.
This segment spans a number of different residential living facilities.
From the outright “independent” like in the case of Independent Living Facilities with club houses situated alongside golf courses, to the Skilled Living Facilities where top healthcare staff is on site to help with individual’s personal care and medical care needs, our agency can design the proper insurance policies to have you fully protected. Often times, claims come from a variety of different angles, commercial liability claims, property losses, medical malpractice, employee injuries are all very commonplace in this sector. Patients with different levels of acuity represent the collective makeup of one of these facilities, and they may have intellectual disabilities, have late-stage Alzheimer’s, or require regular nursing care, and sometimes avoiding injuries may be near impossible. What our carriers can help with is devising loss control to help mitigate and lessen the extent of some claims that may be unavoidable altogether.
We’ve had years of experience working with a wide array of facilities and we have some of the best carrier programs to provide Package insurance products across multiple lines of coverage. Rates for this sector have been climbing, we still continue to work with strong, national carriers capable of insuring your operations at great rates!
We work with:
- Senior Living Facilities
- Assisted Living Facilities
- Independent Living Facilities
- Continuing Care Retirement Communities
- Group Homes
Our carriers can provide:
- Claims-Made or Occurrence coverage
- 1st dollar coverage up to $1M+ retentions
- Primary Limits of $1M/$3M and Excess Limits of $10M+
- Defense costs outside the limits of liability
- Evacuation Expense Reimbursement coverage
- Medical Director Coverage
- Coverage in all 50 states
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