Nursing Home Insurance

Nursing Home Insurance

Nursing Home Insurance

Learn what kind of coverage you need as a Nursing Home. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Nursing Home. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Nursing Home. Ready for a quote? We'll help protect your practice quickly and simply.

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Why Does a Nursing Home Need Insurance?

Nursing homes manage high-acuity care, medications, mobility risks, and sensitive records every day. One fall, allegation, or regulatory complaint can trigger costly legal defense, medical expenses, and reputational damage. Insurance helps keep operations stable when the unexpected happens.

What Does Nursing Home Insurance Cover?

It can cover resident injury claims, professional liability allegations, property damage to your facility, employee injuries, cyber incidents involving PHI, and auto-related losses. Coverage can also help pay legal defense, settlements, and repairs.

Resident fall with a liability claim

A resident slips during a transfer and fractures a hip. The family alleges inadequate supervision and sues. Coverage can help with legal defense costs and damages, even if the claim is disputed.
A resident slips during a transfer and fractures a hip. The family alleges inadequate supervision and sues. Coverage can help with legal defense costs and damages, even if the claim is disputed.

Medication error allegation

A dose is documented incorrectly and a resident experiences complications. A professional liability claim follows, along with a licensing board inquiry. Insurance can help respond to the claim and cover defense expenses.
A dose is documented incorrectly and a resident experiences complications. A professional liability claim follows, along with a licensing board inquiry. Insurance can help respond to the claim and cover defense expenses.

Ransomware and PHI exposure

A phishing email compromises staff credentials and your EHR system is locked. You face downtime, notification requirements, and potential lawsuits. Cyber coverage can help with incident response, recovery, and liability costs.
A phishing email compromises staff credentials and your EHR system is locked. You face downtime, notification requirements, and potential lawsuits. Cyber coverage can help with incident response, recovery, and liability costs.

Nursing Home Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance is typically required for a nursing home in California?

Most nursing homes need workers’ compensation if they have employees, and many leases or lenders require commercial property and general liability. Depending on your services and contracts, you may also need professional liability, cyber liability, and hired and non-owned auto coverage. Requirements can vary by licensing, ownership structure, and facility agreements.

Is general liability enough for resident injury claims?

What does professional liability cover for a nursing home?

How do you insure a building, equipment, and resident areas properly?

Do nursing homes need cyber insurance if we already use a secure EHR?

How fast can I get a quote and what information will you need?

What insurance is typically required for a nursing home in California?

Most nursing homes need workers’ compensation if they have employees, and many leases or lenders require commercial property and general liability. Depending on your services and contracts, you may also need professional liability, cyber liability, and hired and non-owned auto coverage. Requirements can vary by licensing, ownership structure, and facility agreements.

Is general liability enough for resident injury claims?

What does professional liability cover for a nursing home?

How do you insure a building, equipment, and resident areas properly?

Do nursing homes need cyber insurance if we already use a secure EHR?

How fast can I get a quote and what information will you need?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.