Skilled Nursing Facilities

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  • Are You Really Covered?

Insurance for assisted living facilities and nursing homes is your business’s best defense against lawsuits and other liability claims. Your plan will provide compensation to third parties — typically residents of your facility or their families — due to covered accidents or injuries resulting from the negligent acts of your employees. In addition, it will help pay for your legal defense if a case against your facility goes to court. You can also attain coverage for your property and other areas of your operation.

Examples of the types of insurance for assisted living facilities include:


  • General and professional liability: Commercial general and professional liability insurance are a must-have for any senior living facility. CGL coverage encompasses a broad range of liability risks involving bodily injury and damage to the property of others. Professional liability, also known as errors and omissions (E&O), covers negligent acts that occur during the administration of professional or medical services at your facility.


  • Commercial property: A property insurance policy covers your facility when damages occur due to events such as fires, storm damage and burst water pipes. It helps protect your building, inventory, equipment and furniture, landscaping and outdoor signage. Plans are also available that cover the personal property of your residents.


  • Business auto: This type of insurance covers accidents when your employees are transporting your residents in a vehicle owned by your facility.


  • Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.


Professional Care For Professional Service

Commercial Property Insurance Coverages

We understand that your in business to protect, care and provide for your patients.  At First Underwriters we do much the same for our clients.  With the general liability insurance you can have the peace of mind that we will work with you to provide policies that work to protect you in regards to injuries associated with damage to business property and bodily injury. 

Our policies are designed with malpractice in mind.  This is the largest area of danger for healthcare related facilities and this should be front and center when it comes to the policies that cover your line of work.   Doctors, nurses, physical therapists and all other health professionals carry liability insurance – and the caregivers at residential care facilities should have the same protection. 

What Is Commercial Property Insurance?

Commercial property insurance is a key coverage for business owners, especially when running a home-based business. That’s because it provides more coverage than homeowners insurance. This type of commercial insurance helps protect your business and its physical assets. It can pay your repair or replacement costs if your business property gets damaged or destroyed from a fire, theft or other covered loss.


Also known as business property insurance or commercial real estate insurance, this coverage helps protect your:


  • Building
  • Equipment
  • Tools
  • Inventory
  • Furniture
  • Personal property

What Does Commercial Building Insurance Cover?

Commercial property insurance coverage can help your business if:


A fire damages or destroys your computers

Lightning strikes the building you rent

Someone breaks into your building and steals your inventory

It can also help protect important business assets, like your business income. If you can’t open because of a covered loss, it can help replace lost income for your company.


We understand every business has unique needs. That’s why we work with you to customize your commercial property insurance policy. You can add more protection for things like valuable papers and records, which can help cover the costs to:


  • Reproduce important documents
  • Provide temporary storage
  • Move records to avoid a loss

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

- Healthcare Insurance -

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