Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for nursing homes, assisted living facilities, and senior care centers in Iowa. Protect your residents and your facility.
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+1 (626) 778-2586The reality in Iowa
Falls, medication errors, neglect allegations. Nursing home lawsuits are increasingly common and settlements are getting larger.
CMS, state health departments, and licensing boards all scrutinize your operations. Non-compliance can mean closure.
Turnover, training gaps, and understaffing all contribute to incidents. Your coverage needs to account for operational realities.
"We specialize in nursing home & senior care insurance because we understand your industry. Let us protect what you've built."
Comprehensive protection tailored to your industry's unique risks.
Covers claims of negligence and improper care
Protects against visitor injuries and property damage
Essential coverage for allegations against staff
Covers your facility, equipment, and medical supplies
Coverage for nursing and support staff
Protects leadership from regulatory claims
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Nursing Home insurance is a commercial insurance program built around the risks of a nursing home business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include Professional Liability, General Liability, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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