Long-Term Care Facilities

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

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APU's Long-Term Care Facilities insurance program is a comprehensive liability offering available nationally in exclusive partnership with an “A-” XI rated insurance carrier.


Target 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  
  • Primary PL/GL minimum premium: $20,000


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 or occurrence-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 the AmeriComp Healthcare program



  • 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