Ideal Accounts and Appetite
We focus on a range of long-term care and senior living operations, including:
- Skilled Nursing Facilities
- Assisted Living Facilities
- Continuing Care Retirement Communities (CCRCs)
- Independent Living Facilities
Whether your client operates a single location or a regional group of facilities, this program is built to address their professional and general liability exposures with tailored options.
Coverage Highlights and Advantages
Our Long Term Care Insurance program includes:
- Claims Made and Reported Coverage Forms (includes an awareness clause)
- Coverage written through “A”-rated carriers
- Available in most states
- Key enhancements such as:
- Punitive Damages
- Defense Costs Outside the Limits
- Silent on sexual abuse exclusions
- Low limit options available in many jurisdictions
This program is structured to offer flexible solutions while maintaining strong policy language and competitive rates. With coverage tailored for the unique risks faced by long-term care providers, your clients benefit from a well-rounded risk transfer solution.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the size and scope of the risk. U.S. Risk works closely with appointed agents to evaluate submissions on a case-by-case basis, taking into account operations, claims history, and risk management protocols. Submissions with proactive safety practices and staff training programs are especially attractive.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Admitted status varies by state, with many placements available in the E&S market to allow greater flexibility in coverage design.
Why Work With U.S. Risk Insurance Group, Inc.?
With decades of experience in healthcare and long-term care insurance, U.S. Risk offers brokers and agents a dependable partner in placing difficult or specialized risks. Our in-house underwriting team brings deep industry knowledge and a commitment to responsive service. Whether you’re working on a new placement or need support on a renewal with loss history, we’re here to help you deliver strong solutions to your clients.
Call us today to discuss your next Long Term Care Insurance submission—or visit our full company profile to learn more about our capabilities.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for Skilled Nursing Facilities, Assisted Living Facilities, CCRCs, and Independent Living Facilities seeking professional and general liability coverage.
Is the coverage admitted or non-admitted?
The program is primarily offered through non-admitted markets, although admitted options may be available depending on the state.
What is the minimum premium for this program?
Minimum premiums vary based on the size, location, and loss history of the facility. Contact U.S. Risk for specific underwriting guidance.
Can this program accommodate facilities with prior claims?
Yes, facilities with prior claims may still be eligible. Each submission is reviewed individually, with consideration given to corrective actions and risk management improvements.
What carrier strength supports this program?
Coverage is placed through carriers rated “A” or better, ensuring financial stability and strong claims support for your clients.
Need help placing an account? Connect with a market specialist.