Nursing Homes

By the year 2020, an estimated 12 million people will require long-term care. As the nursing home industry rapidly expands to make room for a population of aging Baby Boomers, senior care centers are adapting to meet the needs and expectations of a new generation. While emphasis on independence and quality of life are higher than ever before, nursing homes and long-term care facilities are also experiencing new risks. With a greater emphasis on the quality of life of residents than ever before, we here at White Oak Insurance Group know that nursing homes are looking for unique coverage options specialized to mitigate risk exposure and facilitate the continuity of business despite the challenges they may face in the future. That is why we offer custom-tailored commercial policies designed to safeguard the many aspects of your nursing home business and give you the protection you need.

Nursing Home Liability Insurance

Nursing homes can be held liable for injuries and losses incurred by workers, vendors, and residents as a result of professional errors, accidents, criminal activity, safety hazards, and more. If the family of a resident sues you for damages caused by a staff member’s abusive behavior or a medication dosing error, how much would your business stand to lose? A single lawsuit could cost a nursing home millions of dollars without the right insurance protection. When you trust us with your coverage needs, we will work hard to ensure your business is covered against a wide range of liability risks. We can help you procure many different types of nursing home liability insurance, including:

• Professional Liability insurance
• General liability insurance
• Property insurance
• Workers compensation
• High-limit excess liability insurance (Commercial Umbrella)
• Employment practices liability insurance (EPLI)
• Private passenger and transport van liability insurance
• Criminal liability insurance
• Onsite barber/beautician liability insurance
• Residential rights violation liability insurance
• Sexual misconduct liability insurance
• Resident’s personal property insurance
• Cyber liability insurance

Additional Nursing Home Risk Management

Lawsuits are not the only risk your senior care facility could face. There are many other scenarios that could result in a major loss. Whether inclement weather damages your roof or a sewer backup makes your nursing home uninhabitable, having the right coverage means less time worrying about loss of income or repairing damages to your property and its contents. Besides liability protection, we can also provide the following types of nursing home coverage:

• Property insurance
• Contents insurance
• Boiler and machinery insurance
• Business interruption and loss of income insurance
• Commercial auto insurance
• Evacuation expense insurance
• Sewer and drain backup protection
• And more

If you own one or more nursing homes, assisted living, or senior care facilities, we invite you to contact us to discuss your unique risk management needs. We offer coverage solutions that can help you protect the best interest of your staff, residents, and the future of your business. Our team will be there for you from day one, helping to not only protect you against losses, but to minimize your risk of experiencing them altogether.

Our firm has earned the respect of many reputable senior care facilities across the U.S. due to our professionalism and commitment to excellence. We can customize coverage limits to fit your needs, even extending coverage for employees, volunteers, administrators, medical directors, and members of your corporation. You do not run just any business; you operate in a specialty niche that requires broad understanding of your unique risks and insurance needs. When you need nursing home insurance, don’t trust just anyone. Trust the knowledge and experience of the team here at White Oak Insurance Group for your coverage needs.

Call us today for more information. We look forward to serving you soon.

LinkedIn Status Update

Nursing homes and long term care facilitates face unique risks unlike any other business model or industry. Besides property damage and general liability, there are concerns about safety, sanitation, medical liability, employee conduct, and more. Are you covered against the broad range of risks that threaten your nursing home facility?

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