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Senior Home Employee Liability Insurance

Many senior assistance and nursing homes face trouble when looking for a liability insurance plan for their employees and workers because of the nature of their business. Insurance agencies will view a senior living home as a hotbed for potential claims against employees from occupants due to their age and health issues, and many companies stopped offering senior home insurance altogether in states where senior facilities are abundant. This puts many nursing home workers in an uneasy predicament—when choices are scarce, they either have to pay a high premium or opt for no insurance at all.

Offering senior homes employees full liability coverage at an affordable price is necessary to keep high-quality facilities running successfully and make sure the employees are protected. Without insurance, senior homes could risk losing both employees and business, as no one wants to put themselves at risk for liability claims or have their loved ones in a place where safety and protection are not the top priorities. While those people operating a senior home hope for happy and healthy occupants, injuries and accidents do happen, which is why it’s important to make sure employees are protected against liability claims.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.