Nursing Home Insurance

Comprehensive protection that's just right

Covering the gap at the intersection of healthcare and everyday living.

Nursing homes provide services well beyond healthcare. Consequently, gray areas can exist between professional liability and general liability. Medical Mutual's integrated general liability coverage helps close any potential gaps created by those gray areas, thereby avoiding the inevitable finger-pointing that could otherwise result from having separate carriers for the two areas of risk.

Medical Mutual writes the general liability portion of your coverage on an occurrence basis. As such, Medical Mutual is responsible for covering those general liability claims made against your institution for incidents that occur while the policy is in force, regardless of when the claim is filed.

Medical Mutual's general liability insurance for nursing homes covers:

  • Bodily injury
  • Property damage
  • Personal injury
  • Medical payments for premises claims up to $5,000
  • Fire legal liability
  • Patient's personal property $1,000 limit/$100 deductible

Add that to Medical Mutual's market-leading medical professional liability insurance options and you have access to all the coverage and limit choices you need to provide comprehensive protection that's just right for your facility and organization.

Claims-Made Coverage

As with hospitals and physician practices, Medical Mutual writes its professional medical liability insurance coverage for nursing homes on a claims-made basis, which means your nursing home will have protection for claims which arise out of covered professional services you provide following your initial effective date (or retroactive date) of coverage. So, any claims filed against the institution today are covered by current policy limits, even though your limits may have been lower at the time of the incident in question.

The typical Medical Mutual claims-made professional liability policy for nursing homes includes coverage for:

  • Provision for failure to provide health care services
  • Furnishing of food, beverages, medications or appliances
  • Post-mortem care
  • Lawful activities of a formal accreditation, credentialing and quality Assurance committee
  • Reasonable costs associated with defense of a claim up to $250 per day
  • Coverage for medical directors

Excess Insurance

Should you desire coverage over and above the limits of Medical Mutual’s standard professional liability insurance policy, we offer an extra layer of coverage in the form of umbrella excess insurance. So you get the higher limit(s) you desire to protect against catastrophic cases and judgments.

Cyber Coverage

Medical Mutual's medical professional liability policies for Nursing Homes includes $100,000 of base coverage* to offset the costs associated with responding to patient data breaches per the mandates of the Federal HIPAA and HITECH Acts. These include costs related to:

  • Multimedia Liability
  • Security & Privacy
  • Privacy Regulatory Defense & Penalties
  • Privacy Breach Response
  • Network Asset Protection
  • Cyber Extortion
  • Cyber Terrorism

The coverage also includes access to a team of nationally-recognized specialists in IT forensic analysis, network security and, if necessary, data restoration, to assess and manage the technical aspects of the response. In addition, the coverage includes experts in HIPPA/HITECH-related patient notification, public relations, credit monitoring and other response services to help you meet your Federally-mandated obligations.

Higher limits are available. Ask your agent or Medical Mutual Underwriter for details.

* Excludes Volunteer, Umbrella Excess and Managed Healthcare Liability Policies.

Non-Assessable Policy

You cannot be assessed back-charges if prior years’ rates are proven to have been inadequate.