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Skilled Nursing Facility Insurance

Skilled Nursing Facilities Insurance 

Skilled Nursing Facilities (SNFs) deliver 24/7 care to medically complex, high-acuity residents—balancing clinical services, rehabilitation, and strict CMS compliance. With frailty, polypharmacy, and frequent transitions of care, even small lapses can become high-severity claims.

Homewood Insurance structures coverage to match these realities—from pressure-injury prevention and medication management to elopement safeguards and infection control.

This page covers the following:

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The fastest way to find the most suitable insurance coverage for your skilled nursing facility 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.

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Insurance for Skilled Nursing Facilities can include:

  • Entity and staff professional liability for 24/7 skilled care, rehab, and post-acute services.
  • Defense for falls, pressure injuries, sepsis, elopement, and restraint-related allegations.
  • Medication management, wound care, infection control, and incident-tracking exposures.
  • Optional memory care, ventilator units, on-site dialysis coordination, and behavioral health.
  • Abuse & Molestation (SAM) sub-limits available; evacuation expense endorsement for disasters.
  • Standard limits up to $1,000,000 per claim / $3,000,000 aggregate, with tail/retro options.

Insurance for Skilled Nursing Facilities can include:

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

  1. Professional Liability (Malpractice)

    1. Coverage for alleged negligence in nursing, rehab, and medical oversight (RN/LPN/CNA/PT/OT/SLP).
    2. Defense and indemnity for falls, pressure injuries, sepsis, aspiration, insulin/anticoagulant errors.
    3. Coverage for wound programs (debridement/NPWT), enteral feeding, and high-risk med protocols.
    4. Incident reporting, care-plan development, and change-in-condition response within scope.
    5. Options for abuse/molestation (SAM) sub-limits, license defense, and peer-review/QA exposures.
    6. Claims-made or occurrence (where available) with tail and prior-acts support.

  2. General Liability

    1. Premises injuries (slips/trips), visitor incidents, non-professional bodily injury/property damage.
    2. Personal & advertising injury; medical payments; tenant/landlord evidence of coverage.
    3. Evacuation Expense endorsement (natural disaster or emergency relocation).
    4. Optional cyber/privacy for PHI events; hired/non-owned auto for resident transport.

  3. Recommended Add-ons

    1. Cyber liability Insurance (breach response, ransomware, regulatory defense).
    2. Employment Practices (EPLI) for staffing/HR claims.
    3. Excess/Umbrella Insurance ($5M–$10M+) for large operators or vent/memory-care campuses.
    4. Sexual Abuse & Molestation Insurance (SAM)—dedicated sub-limit and background-check requirements.

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The Cost of Insurance for Skilled Nursing Facilities:

Below are typical annual premium ranges for SNFs with $1M/$3M limits (clean loss history). Pricing varies by state litigation climate, CMS survey history, staffing ratios, and bed count.

Professional Liability (Malpractice Insurance) – Estimated Ranges

  • Small Skilled Nursing Facilities (≤60 beds): $45,000–$85,000
  • Mid Skilled Nursing Facilities (61–120 beds): $80,000–$180,000
  • Large/Multisite (121+ beds or multiple campuses): $175,000–$400,000+

General Liability Insurance – Estimated Ranges:

  • Small Facilities (≤60 beds): $8,000–$18,000
  • Mid-Size Facilities (61–120 beds): $15,000–$35,000
  • Large/Multisite (121+ beds or multiple campuses): $30,000–$70,000+

Common Add-Ons:

  • Sexual Abuse & Molestation Insurance (SAM) sub-limit (e.g., $100k–$1M): +$3,000–$25,000 (depends on controls)
  • Cyber (revenue/records-based): +$2,500–$15,000+
  • Umbrella/Excess ($5M–$10M): +$12,000–$90,000+
  • Hired/Non-Owned Auto (resident transport): +$1,500–$6,000

Key Pricing Drivers

  • CMS star ratings & recent F-tags (F880 infection control, F689 accidents, F684 quality of care).
  • Fall and pressure-ulcer incidence, med-error rate, and documentation/audit outcomes.
  • Acuity mix (vent units, memory care), staffing ratios/turnover, and prior claims.
  • State venue risk (nuclear verdict trends) and plaintiff bar activity.

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High-Risk Procedures and their Impact on your Premiums

Procedure / Activity Description & Risks Insurance Impact
Central Line Administration CVC insertion/maintenance in subacute residents; sepsis, embolism, malposition—hospital-level exposure in SNF setting. Often refused/excluded; if written, high surcharge & deductibles.
Patient-Controlled Analgesia (PCA) Opioid pump over/underdose, inadequate monitoring, respiratory depression in frail elders. Commonly excluded or declined; opioid sub-limits if accepted.
Peritoneal Dialysis (on-site) Peritonitis, fluid mismanagement, technique failures; acute complications without inpatient backup. Higher decline rate; otherwise heavy surcharge.
Chemotherapy Administration Extravasation, anaphylaxis, dosing errors; oncology-level protocols required. Typically declined; specialty placement needed.
Advanced Wound Care (Stage 3+) Debridement/NPWT; risk of osteomyelitis/sepsis; gaps in Braden scoring, nutrition, or photo tracking. +20–40% PL; audits on ulcer rates & care plans.
Medication & Polypharmacy Management High-risk drugs (anticoagulants, sedatives); MAR errors, interactions, delayed rescue. +15–30% PL; opioid exclusions common.
Fall Prevention & Transfers Bed/chair transfers, ambulation; fractures, subdural bleeds; response/call-light failures. +25% GL/PL if fall rates high; deductibles may increase.
Restraint Use (physical/chemical) Entrapment, asphyxia, rights violations when criteria unmet; survey exposure. +30% PL; intense scrutiny on restraint-free program.
Enteral / Parenteral Nutrition Aspiration, dehydration, unexplained weight loss; tube dislodgement/infection. +15–25% PL; SLP/dietitian protocols credited.
Elopement / Wandering Controls Unsafe egress, injury/death; assessment, alarms, supervision failures. +15–25% PL; abuse/SAM sub-limits may apply.
Infection Control & Outbreak Response HCAIs (MRSA, C. diff), flu/COVID clusters; history of F880/F883 citations. +20–35% PL post-outbreak; renewal conditions likely.

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Other types of Insurance Skilled Nursing Facilities need

 
General Liability Insurance

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

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-molestation

Sexual Abuse and Molestation Insurance

Provides coverage for your skilled nursing facility 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

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

Workers Compensation Insurance is usually mandated by law. It protects skilled nursing facilities and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

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 specialize in senior-care risks (SNF, memory, vent, post-acute) across 100+ carriers—including E&S for hard venues.
  • We structure entity + provider limits, SAM sub-limits, evacuation endorsements, and tailored excess.
  • Renewal strategy includes loss-run analysis, CMS tag trends, and benchmarking to keep rates competitive.
  • We negotiate claims-made/occurrence, retro dates, and tail for acquisitions or changes of control.
  • Proactive risk-control playbooks (falls, pressure injuries, med safety, infection control) that carriers credit.

Call 947-274-3093 or
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Ralph Schiller

Ralph Schiller

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