Long Term Care

Our experienced, specialized underwriters, and insightful analytic tools, provide state-of-the-art insurance products and coverage solutions to long term care operators and the brokers who serve them. These solutions address the evolving liability exposures of healthcare operators serving the growing senior population.

Coverage Features

  • Claims made and occurrence professional liability coverage available
  • Per location limits available
  • Defense outside the limit
  • Punitive damages covered where insurable with most favorable venue wording
  • Coverage for employed physicians and medical directors for direct patient care
  • Blanket additional insured status when required by contract
  • Sub-limits for evacuation expense, legal/media expense, and resident loss of property
  • Coverage for barbers and beauticians
  • Incident sensitive/notice of circumstance provisions when claims made
  • Good Samaritan coverage
  • Coverage for rights of residents
  • Flexible rating approach
  • Noncancellable except for nonpayment

Coverage Options

  • Legal/Media coverage
  • Employee Benefits Liability
  • Evacuation Expense
  • Disinfection Expense
  • Resident Property Loss
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Eligible Risk Classes

  • Skilled nursing facilities
  • Assisted living facilities
  • Memory care facilities
  • Independent living facilities
  • CCRCs

Additional Considerations

  • $5,000 minimum premium (some geographies vary)
  • First dollar, SIR, and deductible options available
  • Custom solutions including ERP/tail and loss sensitive programs


  • Primary $1 million/$3 million, $2 million/$4 million
  • Separate limits per insuring agreement
  • $10 million excess/umbrella capacity