Nursing Home Insurance
Finding the Right Underwriter
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Consult The Eternity Insurance Agency for the Right Nursing Home Insurance Plan.
With evolving regulations and the complex liabilities in today’s competitive nursing home industry, it’s essential to have insurance coverage managed by an underwriter who specializes in this sector.
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What does nursing home insurance include?
A well-structured nursing home insurance policy typically includes:
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Protection for property, grounds, and equipment
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Workers’ compensation for staff
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Professional liability or malpractice coverage
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General liability protection
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Depending on the size and structure of your facility, your policy may also include directors’ and officers’ liability coverage.
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We specialize in a tailored insurance solutions to safeguard your nursing home’s staff, property, and other valuable assets.
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Finding the right nursing home insurance underwriter
Properly pricing and underwriting nursing home liability insurance requires more than just policy expertise, it demands a deep understanding of how nursing homes operate. From regulatory compliance to daily operations and management structures, your insurance agent must speak the language of your business.
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For nursing home administrators, workers’ compensation and professional liability risks are key concerns. These risks can vary significantly depending on the health and mobility of your residents:
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In facilities where residents are mobile and cognitively aware, staff may be exposed to risks such as physical or sexual assault.
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In settings where residents are bedridden and require full-time care, caregivers face increased risk of back and neck injuries from lifting and turning patients.
Implementing proactive risk management strategies is essential to controlling insurance costs. A knowledgeable underwriter can help you identify these strategies, while also assisting with staff training programs, claims audits, and more.
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At Eternity Insurance, we offer a full range of insurance and risk management solutions including life, business, personal, and commercial marine insurance across the U.S.