Nursing Home & Assisted Living Insurance

Nursing Home & Assisted Living Insurance

Protecting residents, caregivers, and healthcare operations

Nursing homes and assisted living facilities face complex risks involving patient care, staff supervision, medical services, and regulatory oversight. Facilities responsible for the care of elderly or vulnerable individuals must manage exposure related to injuries, professional liability, abuse allegations, and property loss. Even with strict procedures in place, claims can arise from daily care activities, staffing issues, or medical decisions.

Properly structured insurance helps protect residents, staff, and the long-term stability of the facility.

Key Risks in Nursing Home & Assisted Living Operations

Care facilities face exposure related to:

• Resident injuries or falls

• Professional malpractice allegations

• Abuse or neglect claims

• Employee injuries

• Medication or treatment errors

• Property damage or catastrophic loss

• Regulatory investigations or complaints

Claims can occur even when proper care standards are followed.

Core Coverages for Nursing Homes & Assisted Living Facilities

Healthcare facility insurance programs typically include:

Professional Liability / Medical Malpractice
Protects against claims involving treatment errors, negligence, or failure to provide proper care.

General Liability
Covers bodily injury and property damage claims involving residents, visitors, or third parties.

Sexual Abuse & Molestation Liability
Protects against allegations involving residents, staff, or caregivers.

Commercial Property
Covers buildings, medical equipment, and business contents against covered physical loss.

Workers Compensation
Provides coverage for employee injuries as required by law.

Employment Practices Liability
Protects against claims involving wrongful termination, discrimination, or workplace disputes.

Umbrella / Excess Liability
Provides additional limits for severe or multiple claims.

Commercial Auto (when applicable)
Covers vehicles used to transport residents.

What’s Commonly Overlooked

Facility insurance programs are often weakened by:

• Inadequate malpractice limits

• Missing abuse or neglect coverage

• Failure to cover contract staff

• Underinsured buildings or equipment

• Gaps between professional and general liability

• Missing regulatory or licensing protection

These issues often appear only after a claim occurs.

Real-World Claim Examples

• A resident falls and is injured

• A malpractice claim is filed against staff

• An abuse allegation is reported

• Fire damages part of the facility

• An employee is injured while assisting a resident

Even one claim can create significant financial and legal exposure.

Why Proper Placement Matters

Healthcare facility coverage varies based on:

• Level of care provided

• Number of residents

• Staff-to-resident ratio

• State licensing rules

• Medical services offered

• Contract and facility requirements

Improper placement can result in denied claims or licensing issues.

Our Approach

At Cory Washington & Co., we structure nursing home and assisted living insurance programs based on the level of care provided, staffing structure, and regulatory requirements. We coordinate malpractice, liability, abuse coverage, and property protection to ensure your coverage reflects the real risks involved in caring for others.

Facilities that provide care need protection built for responsibility.