Nursing Home Insurance Coverage Checklist
The coverages a nursing home business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for nursing homes. Priorities reflect typical exposure; confirm against census, star rating, and survey history.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional & General Liability (combined) | Covers resident care and premises claims — senior care is usually written on a combined form. | Core | |
| Abuse & Molestation | Covers abuse and neglect allegations — often sublimited; confirm the limit. | Core | |
| Umbrella / Excess Liability | Adds limits above primary — confirm it follows professional liability. | Prevalent | |
| Commercial Property & Business Income | Covers the building and income during evacuation or closure. | Core | |
| Workers' Compensation | Required in most states — lifting injuries drive claims. | Core | |
| Cyber Liability | Covers resident-data breaches and ransomware. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is adequate limits for neglect claims. Pressure-injury, fall, and elopement claims can produce large verdicts, and plaintiffs argue understaffing as evidence of neglect even though the federal staffing ratios were repealed. Facilities should confirm professional liability and abuse limits, document how staffing is set in the facility assessment, and track pressure-injury prevention for every at-risk resident.
Send us the checklist and we'll review your nursing home coverage line by line, then market it across multiple carriers that compete for your account.
Related: Nursing Home Insurance · Nursing Home Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a nursing home business need?
The core coverages for a nursing home business are Professional & General Liability (combined), Abuse & Molestation, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my nursing home coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.