Business Insurance for Nursing Homes

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Nursing Home
Nurse with a stethoscope covering an elderly man with a blanket in a nursing home.
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Why do nursing homes need insurance?

From medication administration to emergency care, nursing homes and independent living communities are exposed to high risks. A lawsuit alleging injury, neglect or even wrongful death can have a major financial impact on your facility. Nursing home insurance can help keep your business afloat.

Nursing home administrator speaking with an elderly woman in a wheelchair and her family member.
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Find affordable coverage

Nursing home owners can save money on insurance by comparing quotes from top providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.

What types of insurance coverage do nursing homes need?

These insurance policies cover common risks of long-term care facilities.

General liability insurance icon

General liability insurance

General liability insurance covers third-party liability claims, such as visitors tripping on your facility’s front steps. Bundle with property insurance for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged client property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for nursing homes to buy general liability insurance and commercial property insurance together.

BEST FOR
  • Visiting family member injuries
  • Damage to client property
  • Damage to nursing home property
Professional liability insurance icon

Professional liability insurance

This policy, sometimes called medical malpractice insurance, provides liability coverage if a skilled nursing facility is sued for neglect of a resident or fails to deliver promised services.

BEST FOR
  • Alleged neglect of nursing home residents
  • Failure to provide promised services
  • Caregiver provides incorrect medication
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance (D&O) covers legal expenses if board members are sued for decisions they made on behalf of your assisted living facility.

BEST FOR
  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp insurance for nursing homes that have employees. Also, this policy benefits sole proprietors who may have work injury costs that health insurance might deny.

BEST FOR
  • Staff members' medical expenses
  • Disability benefits
  • Employer's liability insurance coverage
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance protects the policyholder from legal costs during lawsuits over property damage or injuries caused by a business-owned vehicle.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does nursing home insurance cost?

Person writing on tablet calculating cost of business insurance.

A small nursing home will pay less for commercial insurance than a larger company.

Factors that affect the cost of small business insurance include:

  • Services offered, such as types of long-term care, group outings and medical care
  • Business property and equipment
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get senior center insurance coverage?

It's easy to get nursing home liability insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your nursing home, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
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