Insurance for Continuing Care Retirement Communities

Continuing Care Retirement Communities (CCRCs) deliver a full continuum of senior services—independent living (IL), assisted living (AL), memory care, and skilled nursing (SNF)—often on one campus. That blend creates complex risk: resident transitions, medication management, falls, infection control, transportation, and bundled services like home care or hospice all interact across departments.

Homewood Insurance structures malpractice and general liability programs that match how CCRCs actually operate—integrating IL/AL/SNF, community services, and multi-building campuses into a cohesive coverage strategy.

Below, you’ll find the following:

What Insurance Includes – PL, GL, and facility-wide add-ons tuned for CCRCs.
Cost of Coverage – bullet-point ranges for PL, GL, and common add-ons.
Higher-Risk Activities – exposures that elevate premiums or trigger scrutiny.
Why Work With Homewood – how we optimize blended IL/AL/SNF programs.

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for a continuing care retirement community is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

Insurance for Continuing Care Retirement Communities can include:

Blended coverage for IL, AL, and SNF levels of care within a single campus.
Protects resident care transitions and internal referral pathways.
Covers staff from CNAs to RNs, social workers, and rehab professionals.
Legal defense for cross-departmental incidents, medication errors, and falls.
Supports bundled services: home care, hospice, transportation, meals, and memory care.
Limits up to $1M/$3M with facility-wide risk management integration.
Evacuation Expense Endorsement to relocate residents in a natural disaster or emergency.

More Information

Insurance for CCRCs can include:

Malpractice or liability insurance can provide essential protection against these risks:

Professional Liability (Malpractice Insurance)

Covers allegations of negligent care, inadequate supervision, or protocol failures across IL/AL/SNF/memory care.
Defense for medication errors, pressure injuries, infection control lapses, and delayed escalation of care.
Protection for documentation/communication failures during level-of-care transitions and hospital transfers.
Includes licensed and unlicensed staff within scope (RNs, LPNs, CNAs, social workers, therapy).
Options for affiliated services operated by the CCRC: home health, hospice, and adult day programs.
Can be available on claims-made or occurrence basis, with tail and prior-acts coverage.

General Liability Insurance

Bodily injury/property damage unrelated to clinical care (e.g., slips, trips, falls, visitor injuries).
Personal and advertising injury (defamation, false advertising).
Medical payments coverage and defense outside limits for qualified occurrences.
Separate occurrence limits for multi-building campuses and common areas.

Recommended Add-ons

Sexual Abuse & Molestation Insurance (SAM): Critical for senior settings; defense + indemnity with staff training requirements.
Cyber Liability Insurance: PHI/PII breaches, ransomware, regulatory fines, notification costs.
Employment Practices Liability Insurance: Wrongful termination, discrimination, harassment; useful for large staff rosters.
Umbrella/Excess: Added $5M–$10M when contractually required or for large campuses.

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The Cost of Paramedic Malpractice Insurance:

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability Insurance – Estimated Ranges

Small campus (IL/AL only, limited nursing): $15,000 – $40,000 annually
Mid-size mixed IL/AL/SNF (100–250 residents): $40,000 – $120,000
Large campus (multi-building, memory care + SNF): $120,000 – $300,000+

General Liability Insurance – Estimated Ranges:

Single-site campus: $3,000 – $10,000
Multi-building or multi-site system: $10,000 – $35,000

Add-ons – Estimated Ranges:

Abuse & Molestation (SAM): $2,500 – $25,000 (limits and retention vary)
Cyber Liability Insurance: $1,500 – $7,500 (depends on records volume, MFA, backups)
Employment Practices Liability: $2,000 – $12,000 (depending on headcount and prior HR claims)
Umbrella/Excess (per $1M): $2,500 – $10,000+ (depending on loss history/venue)
Slip & fall frequency, medication pass complexity, infection metrics, claims/survey history, and memory-care acuity.

Key drivers: Slip & fall frequency, medication pass complexity, infection metrics, claims/survey history, and memory-care acuity.

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High-Risk Procedures and their Impact on PA Premiums

While coverage is widely available for accredited operations, certain practices increase premiums or risk outright refusal. These include experimental tissue handling, inadequate donor screening, storage/transport errors, or poor compliance history.:

Procedure	Description & Risks	Insurance Impact
Medication Management	Administering, dispensing, or monitoring medications (e.g., opioids, anticoagulants) for residents with multiple comorbidities. Errors can trigger overdoses, interactions, or preventable hospitalizations.	+30–40% PL increase; refusal possible if audit error rates >5%. Carriers expect pharmacist oversight and e-prescribing double-checks.
Care Transitions	Moves between IL, AL, SNF (or external referrals). Handoff gaps and missed orders cause delayed treatment or deterioration.	+25%+ PL surcharge; non-renewal risk if >10% transition-related incidents. EMR-linked checklists reduce loadings.
Infection Control Protocols	Breakdowns in hygiene, isolation, or outbreak response (e.g., influenza/COVID) leading to cluster events and regulatory citations.	+20–35% GL/PL if outbreak history or poor survey results. Exclusions possible for non-compliance with documented protocols.
Mobility & Fall Prevention	Transfers, ambulation, and therapy sessions; falls are the top cause of injury and claims among older residents.	+40–50% GL/PL surcharge if fall rates exceed benchmarks. Credits for sensor alarms, non-slip flooring, and PT fall-reduction programs.
Nutritional & Dysphagia Management	Diet errors, unsafe textures, or inadequate supervision during feeding can cause choking or aspiration pneumonia.	+15–25% PL; carriers review dietitian oversight and swallowing assessments. Sublimits or exclusions without protocols.
Wound Care & Basic Treatments	Dressing changes, catheter care, and skin integrity management; improper technique increases infection and sepsis risk.	+20% PL; refusal risk if performed by unlicensed staff. Credits for certified wound-care programs and audit logs.
Emergency Response Procedures	On-site CPR/AED use, seizure management, and evacuations; delayed responses escalate severity of outcomes.	+30%+ if no 24/7 RN coverage or documented response times. Premium relief for drills, telemetry, and clear escalation pathways.

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Other types of Insurance Paramedics may need

Homewood can often combine different different types of coverage into one policy.

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Also known as malpractice insurance, this protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Provides coverage for your CCRC against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects CCRCs and employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Why Work With Homewood

We build blended IL/AL/SNF programs that align with your care model, not one-off policies.
Access to 100+ carriers active in senior care, including specialty and E&S markets.
We negotiate SAM, cyber, and regulatory defense terms that satisfy lender/landlord requirements.
Our brokers track survey outcomes and claim trends to anticipate underwriting changes and keep rates competitive.
Support with risk audits (falls, meds, infection control) to help you earn credits and lower loss ratios.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Paramdedics at the best price. You can call him or fill out the form and he will get your message directly.

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