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Nursing home professional liability insurance is distinct from conventional business or homeowner’s insurance coverage. Because the service of this is to care for the needs of others, they need insurance that can cover specific aspects of their profession. The bulk of this insurance will cover malpractice claims for improper care of patients, which results in patients getting injured or even dying while under your care. Additional coverage will include your home site, property and equipment, employees, patients and visitors to the facility.

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Since the late 1990s, the general character of nursing home professional liability insurance has changed dramatically. A spate of litigation that began in the mid-1990s excited widespread volatility and complexity in the landscape of vital loss protection coverage for long-term residential care facilities.

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