Long-Term Care Facilities

Our exclusive, comprehensive insurance program for long-term care facilities is available nationwide.

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 UnderwritersLong-Term Care Facilities program offers comprehensive liability coverage in exclusive partnership with an “A-” XI 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


Submission requirements

  • Completed and signed supplemental application
  • Completed and signed Infection Control application
  • 5 years of currently valued loss runs (valued within 90 days of the effective date of the risk)

Please send submissions to: apu.longtermcare@amwins.com

    Long-Term Care Facilities
    Program details

    Availability

    The program is available in all U.S. states.

     

    Minimum premium

    $20,000 (Primary PL/GL)

     

    Limits

    • Primary limits up to $1M per claim, $3M aggregate per location
    • First dollar coverage up to large ($1M) self-insured retentions offered
    • Excess umbrella limit (supported or unsupported) up to $5M


    Carrier

    A.M Best Rated "A-", XI

     

    Contact Us

    Amanda Fioretti
    Associate Director
    Amwins Program Underwriters - Farmington, CT
    860.269.6114 amanda.fioretti@amwins.com
    Matt Wasta
    Managing Director
    Amwins Program Underwriters - Farmington, CT
    860.269.6113 matthew.wasta@amwins.com