Coverage that cares as much as you do.
Embrace liability protection that mirrors your commitment to care, designed specifically for nursing homes.
What is Nursing Home Insurance?
Nursing home insurance is a specialized solution designed to protect facilities like yours against the vast array of risks associated with providing care to the elderly and vulnerable. In the sensitive environment of a nursing home, where both the physical and emotional needs of residents must be meticulously managed, the right protection is not just advisable—it is essential.
Choosing XINSURANCE means opting for a partner who understands the unique challenges faced by your facility. With our deep industry knowledge and commitment to providing customized solutions, we empower you to focus on what you do best: delivering compassionate care. Embrace the peace of mind that comes from knowing you are supported by a team dedicated to defending and protecting your interests, especially when you need it most.
Who Should Have Nursing Home Insurance
- Nursing Homes
- Assisted Living Facilities
- In-Home Care
- Adult Day Care
- Short-Term Nursing Facilities
- Memory Care Units
- And More!
Nursing Home Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you or staff regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you or staff regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as a therapy dog. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Liability Insurance for Nursing Homes
Why do nursing homes need liability insurance?
Nursing homes need liability insurance to protect against potentially hefty legal fees, court costs, and settlements that can arise from claims of negligence or inadequate care.
Is liability insurance required for nursing homes?
While not federally mandated, most states require nursing homes to carry liability insurance. Requirements can vary, so it’s important to check local regulations.
Does nursing home insurance cover COVID-19?
Yes, XINSURANCE can provide coverage solutions for COVID-19 under our Communicable Disease Coverage Endorsement.
For the long-term care system, COVID-19 has altered much of its protocols as federal and state regulations make changes to operations and the accountability of each facility. Without proper care, some nursing homes are vulnerable to lawsuits. See more how COVID-19 is affecting nursing home liability.
What are the common claims made against nursing homes?
Common claims include falls, bedsores, inadequate supervision, medication errors, and abuse or neglect.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does liability insurance for nursing homes cost?
Costs can vary widely depending on the size of the facility, location, number of residents, types of services provided, claim history, and more. It’s tailored to each facility’s specific needs and risks so it’s best to contact XINSURANCE for a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Healthcare Facilities
Healthcare facility insurance is for hospitals, ambulatory surgical centers, urgent care clinics, nursing homes, birth centers, assisted living facilities, and more. Start your quote request today!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
