Nursing Home Insurance

Skilled Nursing Facilities

A skilled nursing facility (SNF), traditionally referred to as a nursing home, provides a home for the elderly when they need around-the-clock care by skilled nurses due to a temporary or permanent health issue for which they are not able to get the kind of care they need at home.

The traditional nursing home has changed as the lifespan of American seniors has increased. Instead of simply offering physical care to impaired or frail individuals, homes have become more focused on addressing not only the physical needs of residents, but also their emotional and psychological needs. An increased quality of life is the goal and to achieve that goal residents are provided more flexibility and privacy for attending to their basic needs such as eating, sleeping, and bathing. Additionally, caregivers are increasing their emphasis on giving residents an opportunity to remain active in their communities with outside activities as well as providing additional in-home pursuits.

As skilled nursing facilities evolve to meet the changing needs of our aging population, Highland Risk offers proactive support that helps mitigate risk, control expenses, prevent losses, and grow the bottom line.

Our comprehensive insurance program for skilled nursing facilities includes coverage for professional liability, general liability, employee benefits liability, sexual misconduct, commercial property, business auto, workers compensation, as well as other key coverage.

Lines of Coverage


Coverage Highlights

  • Claims-made or occurrence basis for liability
  • Excess and umbrella coverage available
  • Limits are flexible and will meet expiring coverage
  • Deductible and first dollar options
  • Risk management programs available


  • Professional & General Liability coverage on a claims-made or occurrence basis
  • Primary limits up to $1M per claim/$3M aggregate
  • Options for deductible and first-dollar policies
  • Excess & umbrella limits up to $25 million
  • Employment Benefits Liability included
  • Coverage extensions for medical director coverage, medical expenses, evacuation expenses, public relations expenses and cyber liability/privacy breaches
  • Risk management services
  • High deductible plans, swing-plans and other program structures available, either stand-alone or in conjunction with existing self-insured/captive programs
  • For-profit & Not-for-profit organizations
  • Separate towers for PL & GL available


  • Limits up to $50 million per location
  • Low deductible policies (starting at $1,000 deductible)
  • Extensions for business interruption/extra expense, boiler & machinery, crime
  • Coverage for locations vulnerable to natural catastrophes


  • Coverage for auto liability and comp/collision
  • Hired and non-owned auto coverage
  • Coverage for non-standard vehicles such as small buses and vans
  • Residents transport coverage

Employment Practices Liability

  • Full entity coverage
  • Definition of Employee includes leased and contract employees
  • Broad definition of “Claim”
  • Up to $20 million capacity
March 25th, 2016 by Central Arkansas Insurance Associates