https://completemarkets.com/company/prosight/skilled-nursing/
Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry
ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs.
At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment.
Program Highlights
Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage.
Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators.
Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses.
Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations.
Streamlined submission and underwriting workflow for faster decisions on standard placements.
Coverage Limits and Features
ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include:
Health Care Professional Act: $1M each act / $3M aggregate
General Aggregate: $3M; Each Occurrence: $3M
Personal Injury / Advertising Injury: $1M
Employee Benefits Liability: $1M each act / $1M aggregate
Sexual Misconduct coverage: $1M each act / $1M aggregate
Hired / Non-Owned Auto: $1M CSL
Damage to Premises Rented to You: $50,000; Medical Expense: $5,000
Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate
Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable)
Ideal Accounts and Appetite
ProSight’s Skilled Nursing Insurance program is aimed at:
Standalone nursing homes and skilled nursing facilities
Assisted living and memory care communities
Small to mid-sized owner/operators and managed portfolios with stable operations
Accounts willing to engage with loss prevention services and implement non-clinical risk improvements
Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services.
Underwriting Notes
ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state.
Territories & Availability
Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission.
Why Place Skilled Nursing Business with ProSight Specialty Insurance
As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations.
Example placement scenarios:
You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting.
A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible.
To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources.
Frequently Asked Questions
What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited.
Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding.
What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility.
What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects.
Need help placing an account? Connect with a market specialist.