For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Prime Insurance Company
Contact Us
contact_phone Click to call
Prime Insurance Company
Contact Us
contact_phone Click to call

Nursing Home Facilities

Customized Insurance Solutions for Nursing Home Facilities


At XINSURANCE, powered by Evolution Insurance Brokers, Prime Insurance Company offers a specialized program to address the unique risks and regulatory challenges faced by nursing home and long-term care operators. This Nursing Home Facilities program is built for agents and brokers who need a flexible, non-admitted option for hard-to-place or higher-exposure accounts. You’ll have direct access to underwriting, 24/7 claims support, and a client-first approach to tailor solutions for healthcare operations of all sizes.

Ideal Accounts and Appetite

We focus on non-standard or hard-to-place risks, including facilities with prior loss activity, elevated liability exposures, or specialized operations. The Nursing Home Facilities program fits: • Skilled nursing facilities
• Long-term care operations
• Assisted living with complex care needs
• Facilities that host special events or provide resident transportation
 You might have a client operating multiple locations, offering memory care, or running on-site therapy and activities—this program is designed to address those evolving exposures.

Coverage Highlights and Advantages

This program provides broad, customizable coverage options so you can tailor terms to the account rather than forcing the client into narrow standard market forms.

Coverages Can Include: • Special Events
• Commercial General Liability
• Property Coverage
• Commercial Auto (available in most states) *Not available in NY
• Individual Liability
• Alleged Sexual Abuse
• Alleged Molestation Liability
• Alleged Assault and Battery Liability
• Professional Liability
• Directors and Officers Liability

Program Highlights:

• Premium financing available
• Flexible limits, customized premiums, and modular coverages
• Risk management resources and loss-control support
• All-in-one policy solutions where practical
• Direct market access to underwriting decision-makers
• Responsive, healthcare-focused underwriting
• 24/7 claims reporting and handling

Underwriting Notes and Minimum Premiums

Underwriters evaluate accounts on operations, claims history, staffing ratios, regulatory compliance, and risk controls. There is no fixed minimum premium listed here; pricing is determined by the account’s size, exposures, and desired limits. Accounts of varying sizes are welcome for review—bring details on prior claims, staffing, and risk management programs to speed placement.

Territories and Availability

The Nursing Home Facilities program is available in all 50 states and Washington, D.C., with the exception that commercial auto coverage is not offered in New York. As a non-admitted solution placed through an excess & surplus lines broker, this program is a fit when standard admitted markets are unavailable or restrictive.

Why Work With Prime Insurance Company and XINSURANCE

Prime Insurance Company, delivered through the XINSURANCE platform, combines direct access to underwriting with in-house claims expertise and a willingness to consider tough or unique accounts. For agents and brokers, that translates into practical options for placing complex healthcare facilities, faster decisions, and a partner that understands long-term care exposures. Whether the account is a new facility, a multi-location operator, or a client with prior losses, this program helps you find flexible, market-driven solutions.

*Please Note: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah. This insurance product is offered by an unlicensed surplus lines insurer. The licensed brokers for EIB are: Rick J. Lindsey (except in CA) (NPN 91653) & Mike Fennell (Only CA) (NPN 1435429)

Frequently Asked Questions

What types of accounts are a good fit for this Nursing Home Facilities program?

This program targets skilled nursing facilities, long-term care operations, and assisted living centers—especially those with elevated risks, prior claims, or specialized services such as memory care or on-site therapy.

Can I customize coverage options for my client?

Yes. Limits, endorsements, and coverage modules can be tailored to the client’s operations and exposures to create a more complete placement than many standard markets allow.

Is this program available in all states?

Yes. The program is available in all 50 states plus D.C., although commercial auto coverage is not available in New York.

What makes this program different from standard admitted markets?

Placed as a non-admitted solution through an excess & surplus lines broker, this program offers broader underwriting flexibility and coverage options for hard-to-place or higher-exposure healthcare facilities.

How do I get started with a quote?

Contact the underwriting team through the company profile or storefront page and provide account details—including operations description, prior claims history, payroll, and resident counts—to request a customized quote.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A Excellent AM Best
  • Commission:
    -
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

One South Dearborn, Suite 800
Chicago, IL 60603
312-884-5813
View Map

APPLICATIONS

CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
Prime Insurance Company has other insurance programs like Artisan Contractors.