Overview of the Program From NAS Insurance Services
This program delivers broad, flexible coverage solutions for residential care operations nationwide. As a Managing General Underwriter (MGU), NAS leverages underwriting expertise and access to multiple carrier relationships to design insurance products for niche and emerging senior care risks. The Long Term Care Facilities Insurance program is meant for agents who need a responsive partner to place complex senior living accounts on a non-admitted basis.
Ideal Accounts and Appetite
NAS writes a range of long-term care and senior living operations, including:
- Personal Care Homes
- Independent Living Facilities
- Residential Care / Assisted Living Facilities
- Alzheimer’s and Dementia Care Homes
NAS prefers accounts with clear operating procedures, documented staff training, and a commitment to resident safety. Standalone facilities and small regional groups are within appetite when they demonstrate sound management practices and reasonable loss control. High-severity exposures, unmanaged memory care programs, or poorly documented staffing practices may limit placement options.
Coverage Highlights and Advantages
NAS’s program includes enhanced coverages designed for the senior living industry. Available coverages (subject to underwriting) include:
- Professional and General Liability
- Abuse and Molestation Coverage
- Medical Payments
- Defense Costs Outside the Limits
- Optional Employee Benefits Liability
The program is structured to address common real-world scenarios such as allegations of neglect, slip-and-fall incidents, and incidents that arise from memory care units. These coverages and endorsements help agents tailor solutions for clients whose operations are expanding or diversifying services.
Underwriting Notes and Minimum Premiums
Underwriting varies by facility type, size, location, services offered, and loss history. NAS takes a flexible approach: submissions with prior losses are reviewed on their merits rather than declined automatically. Providing detailed information on operations, staffing ratios, training programs, medication management, and risk controls improves placement outcomes.
Minimum premiums are case-dependent and vary by account characteristics. NAS will evaluate premium thresholds during submission review.
Territories and Availability
This program is available on a non-admitted basis in all 50 states and the District of Columbia. NAS partners with multiple carriers to provide broad national access, including markets for hard-to-place or underserved accounts.
Why Work With NAS Insurance Services?
NAS combines niche expertise in senior living insurance with underwriting flexibility and carrier access. Agents gain a partner familiar with regulatory and operational challenges in long-term care who can craft tailored coverage solutions. NAS’s MGU model helps place accounts that need specialized terms or creative structuring on a non-admitted basis.
Example scenarios:
- You have a small assisted living client that recently added memory care services; NAS can consider tailored professional and abuse coverage to match the expanded services.
- An independent living community with a history of low-severity slips and falls needs a combined general and professional liability program with defense costs outside the limits — NAS can evaluate and structure options.
Contact NAS today for assistance placing Long Term Care Facilities Insurance through a knowledgeable underwriting team.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is well suited for independent living communities, assisted living facilities, personal care homes, and Alzheimer’s/dementia care operations that demonstrate sound management and risk controls.
Is this program available in all states?
Yes. NAS offers this program on a non-admitted basis across all 50 states and Washington, DC.
What coverages are typically included?
Typical options include general and professional liability, abuse and molestation coverage, medical payments, and optional enhancements such as employee benefits liability, depending on underwriting.
Can NAS consider accounts with prior losses?
Yes. NAS reviews each submission individually. Prior losses do not automatically disqualify an account, but thorough loss details and evidence of corrective measures will improve prospects for placement.
What is the minimum premium for this program?
Minimum premiums vary by facility type, size, location, services, and loss history. NAS sets minimums based on the account’s risk profile during underwriting.
Need help placing an account? Connect with a market specialist.