The choice to put a family member into a nursing home is a difficult one. You have to have reached a point where regular care is required and it cannot be received through a home care program. A nursing home provides this care to patients so they are constantly monitored and their needs are addressed at any hour of the day to try to increase their quality of life.
A nursing home is a resource, but it is also a business. If you are operating a nursing home facility, you should know the nursing home insurance coverage you need to make sure your facility is protected from liabilities.
A general liability plan covers common lawsuits that can arise from regular daily business activity that does not involve employees. At a nursing home, visitors frequently come to see their loved ones and spend some quality time with them or check to see how they are doing. Having visitors may lead to additional liabilities. General liability insurance covers liabilities that may happen out of the care of an employee or for slip and fall accidents that are considered non-medical negligence.
A nursing home should be viewed as a place of business as much as a home for elderly residents and other patients. One of the essential parts of nursing home insurance coverage is commercial property insurance. All businesses should have this kind of coverage to protect against any damages that may happen to the building or any supplies or furniture that is stolen, damaged, or destroyed by a natural disaster like a fire.
You want insurance that protects you from non-medical negligence, but you also need to have professional liability insurance that protects you from any medical incidents as well. The professionals in a nursing home are treating hundreds of residents every day, several times a day. This puts them at risk for claims against them regarding wrong medication or providing the wrong treatment. This insurance may also cover claims against other mistakes or inappropriate interaction with a patient.
Some nursing facilities have vehicles that can transport residents and employees who serve as chaperones for offsite activities or to receive special medical treatment that can’t be provided within the nursing home. These vehicles need to be covered as well. Having a commercial auto liability plan can cover damages, accidents, or injuries that may happen while a commercial vehicle is being used.
Another claim that can come out of nursing homes is sexual abuse claims. General liability insurance plans typically have sexual abuse exclusions, so even if you think you are covered, you want to have this type of coverage with many cases and complaints of sexual abuse being filed every year.
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.
Get your free nursing home insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you or your nursing home vulnerable – it’s also free and has no obligation. Get started today!
According to the Government Accountability Office, Medicaid officials in 30 states do not routinely review the licensing and certification of facilities, and 18 don’t look at the results of site visits.
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