Nursing Home & Assisted Living Insurance
"Dignity, Care, and the Coverage They Deserve."
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.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.