Assisted living facilities and nursing homes face unique challenges, including liability exposure. Having appropriate insurance is essential to their long-term financial well-being. 

Contact Horizon Insurance Agency in Phoenix, Arizona, to learn more about your options for assisted living and nursing home insurance and build a plan that meets your needs.  

What Insurance Policies Are Available for Assisted Living Facilities and Nursing Homes? 

Depending on details about your operations and your facility, several insurance policies may provide financial protection, including:  

• General liability insurance. This coverage may help protect your facility if it is legally liable for third-party bodily injury or property damage. It may cover medical expenses and legal fees up to the policy’s specified limit.
• Professional liability insurance. This insurance may help provide coverage if a client files a lawsuit alleging negligence or failure to perform a service. 
• Property insurance. This policy may help provide coverage if your facility or its furnishings is damaged by covered events, including windstorms or theft. Coverage may also be available to help protect specialized medical equipment.
• Commercial auto insurance. If your facility owns or operates vehicles, this insurance may provide coverage for liabilities associated with their use. You may also choose to add coverage to help protect your facility’s vehicles. 
• Directors and officers insurance. This policy may help provide coverage for your facility’s directors or officers if they are sued for a decision they made on behalf of the facility.
• Workers’ compensation insurance. This coverage may help pay for lost wages or medical expenses if one of your employees experiences a work-related injury or illness.
• Employment practices liability insurance. This coverage may provide coverage if your facility is sued for unlawful employment practices, including harassment, discrimination or wrongful termination. 

Depending on your situation, your insurance agent may recommend additional insurance policies to help meet your needs.  

Secure Your Nursing Home or Assisted Living Facility Policy Today 

Contact the agents at Horizon Insurance Agency today to start building an insurance plan to meet your needs. Our agents can walk you through your options and help you get a quote.