General Liability Insurance—This coverage may protect your facility if it is found to be legally responsible for another person’s bodily injury or property damage. It may cover legal fees and medical expenses resulting from such incidents up to the policy’s specified limit.

Professional Liability Insurance—This insurance type may provide coverage if a client files a lawsuit alleging negligence or failure to perform a service. 

Property Insurance—Property insurance may help provide coverage if your facility or its furnishings are damaged by covered events such as windstorms or theft. Coverage may also be available to help protect your specialized medical equipment.

Workers’ Compensation Insurance—This coverage may help pay for employees’ lost wages or medical expenses if they experience a work-related injury or illness.

Directors and Officers Insurance—This may provide coverage for your facility’s directors or officers if they are sued for a decision they made on behalf of the facility.

Employment Practices Liability Insurance—This coverage may provide protection if your facility is sued for wrongful employment practices such as discrimination, harassment or wrongful termination.

Commercial Auto Insurance—If your nursing home or assisted living facility owns or operates vehicles, this may provide coverage for the exposures and liabilities associated with their use.