Overview
Skilled nursing facility insurance protects nursing homes, sub-acute rehab centers, memory care units, and long-term care providers from the frequency and severity that define this class of business. Because claims here often involve serious injury or death — and because state DOI filings, CMS survey findings, and plaintiff-firm activity vary sharply by state — SNF operators need a broker who benchmarks their program against carriers that actually underwrite long-term care every day.
Why skilled nursing needs specialized malpractice coverage
Standard hospital or physician malpractice forms are not built for the 24/7, resident-in-your-care exposure of a skilled nursing facility. SNF-focused professional liability responds to allegations of nursing negligence, medication errors, pressure injuries, falls, elopement, and wrongful death — with defense inside or outside limits structured to the loss patterns of long-term care. KTL benchmarks retentions, aggregate reinstatements, and batch-claim provisions against multiple LTC carriers each renewal.
Workers' compensation for nursing home staff
Nursing home workers' comp is one of the highest-frequency classes in the country — patient handling, sharps, and needlesticks drive claim counts that require aggressive class-code management and return-to-work programs. We benchmark payroll against multiple carriers, help structure loss-sensitive programs (deductibles, retros) when appropriate, and coordinate ergonomic and safe-patient-handling initiatives to move your experience mod.
Carriers that specialize in long-term care
KTL has direct relationships with The Hartford, CNA, and other markets that underwrite skilled nursing, assisted living, and post-acute care. That access lets us structure primary and excess towers appropriate for 50-bed community facilities up through multi-facility operators — with limits, retentions, and defense structures that reflect your census, acuity mix, and state venue.
Abuse, cyber, and regulatory exposure
Modern SNF programs need dedicated sexual abuse & molestation coverage, HIPAA-grade cyber liability with regulatory defense, and EPLI tuned to a high-turnover workforce. We layer these lines around your primary malpractice and GL so that a single incident does not erode limits you need for a resident-injury claim.