By 2030 the number of Americans ages 65 and older is projected to exceed 70 million.

In the first half of the twenty-first century, the number of older adults needing long-term care facilities and services is anticipated to more than double, from approximately 8 million in 2000 to 19 million by 2050. 

As the population continues to age, skilled nursing facilities, assisted living facilities, and independent living facilities need to expand their capacity in order to support this growing demographic.

Amwins Program Underwriters’ Long-Term Care Facilities program offers comprehensive liability coverage in exclusive partnership with an “A-” XII rated insurance carrier.

Eligible accounts

• Skilled nursing facilities
• Assisted living facilities
• Independent living facilities
• Continuing care retirement communities
• Both for-profit and not-for-profit facilities from single locations to larger long-term care organizations with multiple locations
• Account must have at least 20 beds
  
  

Policy features

• Primary professional liability written on a claims-made basis in all states
• Will write primary and excess (supported or unsupported)
• Primary general liability written on a claims-made basis
• Additional insuring agreements include:
  -  Evacuation expense reimbursement
  -  Public relations reimbursement
  -  Resident property coverage
  -  Employee benefits liability coverage
• Coverage for punitive damages where allowable by law
• Coverage for physical and sexual abuse
• Standard form is defense outside the limit, can be moved inside for a premium credit
• Workers' compensation coverage is available through APU's AmeriComp Healthcare program