NURSING HOME & ASSISTED LIVING

Nursing Home & Assisted Living Insurance

Protecting residents, caregivers, and care operations

Nursing homes and assisted living facilities operate in highly regulated environments where resident care, staffing practices, and facility safety are under constant oversight. From medical and personal care services to employment and compliance exposure, risk exists at every level of operation.

A properly structured insurance program is critical to protecting residents, staff, leadership, and long-term operational stability.

Key Risks in Long-Term Care Operations

Nursing homes and assisted living facilities face exposure related to:

• Resident injury, neglect, or abuse allegations

• Professional liability tied to care standards

• Regulatory investigations and compliance failures

• Employment practices and staffing shortages

• Premises liability for residents, families, and visitors

• Reputational harm following incidents or claims

Claims are often complex, emotional, and expensive to defend.

Core Coverages for Nursing Homes & Assisted Living Facilities

Long-term care insurance programs typically include:

Professional Liability (Medical / Healthcare E&O)
Protects against claims alleging negligence, errors, or failure to meet standards of care.

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

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

Employment Practices Liability (EPLI)
Covers claims related to hiring, termination, discrimination, harassment, and retaliation.

Abuse & Molestation Liability
Provides coverage for allegations of abuse or improper conduct, including defense costs.

What’s Commonly Overlooked

Long-term care insurance programs are often weakened by:

• Inadequate professional liability limits

• Failure to align coverage with care levels provided

• Missing or insufficient abuse & molestation coverage

• Gaps between staffing models and policy definitions

• Lack of coordination between liability and regulatory exposure

These issues often surface during litigation or state investigations.

Real-World Claim Examples

• A resident alleges injury due to inadequate supervision

• A family files a negligence claim following a care incident

• An employee is injured while assisting residents

• An abuse allegation triggers legal defense and investigation

Even a single claim can have long-lasting operational and reputational consequences.

Why Proper Placement Matters

Nursing home and assisted living coverage varies significantly based on:

• Level of care provided

• Resident population and medical complexity

• Staffing ratios and training practices

• State licensing and regulatory requirements

Improper placement can result in denied claims or regulatory penalties.

Our Approach

At Cory Washington & Co., we approach long-term care insurance with a compliance-first, resident-focused mindset. We align coverage with care services, staffing models, and regulatory obligations — helping organizations protect those they serve while safeguarding leadership and operations.

Quality care deserves uncompromising protection.