Business Insurance for Nursing Homes

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Nursing Home
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A lawsuit alleging injury, neglect, or even wrongful death can have a major financial impact on your assisted living facility. Protect it with affordable business insurance for nursing homes.

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Multiple quotes with one application

With Insureon, nursing homes can compare insurance quotes from top U.S. carriers online. Get multiple quotes with one application.

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 a visitor tripping on your facility’s front steps. Bundle with property insurance for savings in a BOP.

  • 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.

  • Visitor injuries
  • Damage to client property
  • Damage to nursing home property
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Professional liability insurance

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

  • Alleged neglect of nursing home residents
  • Failure to provide promised services
  • Providing 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.

  • 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. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employer's liability insurance coverage
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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.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

Why do nursing homes need insurance?

From medication administration to emergency care, nursing homes and independent living communities are exposed to high risks. If family members accuse your facility of neglect of a loved one – or wrongful death – the financial impact could be devastating. Nursing home insurance can keep your business afloat by covering the costs of lawsuits, medical bills, and property damage.

How much does insurance cost for human and social services like nursing homes?

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Several factors will have an impact on insurance premiums, including:

  • Services offered, such as healthcare or outings
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
  • Coverage limits and deductibles
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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."
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