Liability Insurance for Nursing Homes

Insurance coverage for nursing homes must cover both your business and patient’s interests. This combination of business and liability insurance for nursing homes requires knowledge of both parties. Simplesure protects your assets, property, directors, officers, employees, and patients with the appropriate coverages.

These can include:

• Professional and General Liability Insurance
• Excess Liability Insurance
• Property Coverage for buildings, personal property
• Business Interruption Insurance
• Automobile Insurance (including private passenger and transport vans)
• Workers’ Compensation Insurance
• Directors & Officers Liability Insurance (including Employment Practices Liability Insurance)
• Violation of Resident’s Rights
• No Exclusion for Physical & Sexual Abuse
• Protection for Medical Directors while acting within the scope of their administrative duties

Skilled Nursing Facilities

Known commonly as nursing homes, a skilled nursing facility is a residence for elderly patients that provides around-the-clock care by skilled nurses. A skilled nursing facility can provide individuals with temporary or permanent health issues a level of care for that is difficult to achieve through at-home care, but offers a more home-like environment than what is found in a hospital. Nursing homes must be licensed by the state they reside in to legally operate.

There are several types of nursing homes:

• "Skilled care" homes provide around-the-clock physician and nursing care for patients who reside on the premises.
• "Intermediate care" homes have medical facilities and services available, but patients can provide a degree of care for themselves and do not need around-the-clock attention.
• "Personal care" homes provide boarding facilities and access to medical attention for patients who are ambulatory.

Protect your Financial Interests and Professional Reputation

Depending on the type of nursing home you are insuring let Simplesure Insurance create a tailored plan for business and liability insurance for nursing homes that protects your financial interests and professional reputation.