Nursing Home Insurance - Skilled Nursing Facility and Long-Term Care Coverage
Insurance for Nursing Homes & Skilled Nursing Facilities
Long-term care professional liability, abuse and molestation coverage, and comprehensive programs for independent nursing homes, SNF chains, and long-term care management companies.
From single-facility nursing homes to multi-site SNF operators - we navigate the hardened long-term care market to build programs that address the full spectrum of skilled nursing risk.
Deep Industry Expertise for Healthcare Businesses
Nursing homes and skilled nursing facilities (SNFs) provide the highest level of non-hospital residential care - delivering 24-hour skilled nursing, rehabilitation, and long-term care services to medically complex residents. The liability environment for nursing homes is among the most challenging in healthcare, with significant exposure from falls, pressure injuries, elopement, abuse and neglect, and the aggressive plaintiff bar that targets long-term care facilities. Grandbay Financial places comprehensive programs for independent nursing homes, SNF chains, and long-term care management companies - working with specialty carriers who remain active in the long-term care market.
What We Cover
Long-Term Care Professional Liability
Institutional malpractice coverage for the nursing home entity, covering claims from falls, pressure injuries, medication errors, elopement, and failure to meet care plan requirements. The most critical coverage for any SNF operator.
General Liability
Premises coverage for resident, family, and visitor injuries at the nursing home facility, including slip-and-fall incidents in common areas, dining rooms, and parking facilities.
Abuse & Molestation
Coverage for allegations of resident abuse, neglect, and exploitation by staff or other residents - a critical standalone coverage for all long-term care operators.
Workers Compensation
Coverage for nursing staff, aides, and support workers, including patient handling injuries, workplace violence, needlestick incidents, and musculoskeletal injuries from resident transfers.
Commercial Property
All-risk property coverage for the nursing home building, medical equipment, and furnishings, including business income coverage for revenue lost during a covered shutdown.
Directors & Officers
Coverage for nursing home ownership and management against claims of mismanagement, regulatory non-compliance, and breach of fiduciary duty to residents, families, and investors.
Employment Practices Liability
EPLI coverage for wrongful termination, harassment, and discrimination claims from nursing home employees - a significant exposure in high-turnover clinical environments.
Umbrella / Excess Liability
High-limit umbrella programs to address catastrophic professional liability scenarios, including multi-plaintiff claims alleging systemic care failures and wrongful death claims.
Key Exposures We Address
Every healthcare business faces a unique set of risks. Our specialists identify and mitigate the exposures most likely to impact your operations and financial stability.
What Healthcare Businesses Face
Claims Scenarios & Outcomes
A nursing home resident developed a Stage IV pressure ulcer over several weeks. Despite family complaints, the wound was not adequately treated and the resident died from sepsis related to the wound infection. The family filed a wrongful death and professional liability claim alleging negligent wound care and failure to follow the care plan.
The facility's long-term care professional liability policy responded, covering defense costs and the significant settlement. The claim highlighted the importance of documented wound care protocols and the need for adequate professional liability limits in skilled nursing facilities.
A cognitively impaired resident with a documented elopement history left the facility through an unsecured exit during a shift change. The resident was found in a nearby road and struck by a vehicle, sustaining serious injuries. CMS launched an investigation and issued an immediate jeopardy citation.
The facility's professional liability policy responded to the civil claim. The CMS enforcement action resulted in a civil monetary penalty. The incident prompted a comprehensive review of the facility's elopement prevention program and secured exit protocols.
A state investigation following a staff complaint revealed a pattern of physical abuse by a nightshift aide affecting multiple residents over several months. Multiple families filed civil claims against the facility alleging abuse, negligent hiring, and failure to supervise.
The facility's abuse and molestation policy responded, covering the defense and settlement costs that would have been excluded under the general liability policy. The multi-plaintiff nature of the claim underscored the importance of adequate abuse coverage limits for nursing home operators.
Healthcare Insurance FAQs
Ready to Protect Your Healthcare Business?
Our healthcare insurance specialists are ready to design a program tailored to your specific operations, exposures, and growth objectives.