Healthcare Facility Insurance
Skilled nursing facility insurance, placed by people who know SNFs
From single-site operators to multi-state portfolios, we build complete insurance programs for skilled nursing facilities: GL/PL, workers’ compensation, property, EPLI, and excess, marketed to the carriers that actually want SNF business.
What we place
- General & Professional Liability
Admitted, E&S, captive, and RRG options sized to your census, payor mix, and venue. - Workers’ Compensation
Full submissions with loss analysis, experience mod review, and audit dispute support built in. - Property & Excess
Facility property programs and excess limits layered above primary when contracts demand it. - EPLI, Cyber, Crime & Bonds
Employment practices for high-headcount operations, cyber for PHI exposure, and patient trust bonds.
How we work
Every account starts with a complete, carrier-ready submission. We analyze your loss runs, document your exposures, and write the underwriting narrative before your account ever hits a desk. Then we market it to the carriers and wholesale markets that actually want your class of business and negotiate terms, not just price.
After binding, the work continues: certificates, endorsements, premium audit review, experience mod analysis, and claims advocacy all year. You work with Ari Baer directly, supported by a service team built for the complexity of healthcare facility programs.
Skilled nursing is not a sideline for us. It is the core of the practice, and it shows in how your submission reads.
Exposures We Understand
Underwriting that reflects how you actually operate
Census & payor mix
Occupancy, Medicare and Medicaid mix, and managed care penetration all drive rate. We present them the way underwriters need to see them.
Staffing & agency usage
Nursing hours PPD, agency reliance, and DON tenure tell the underwriting story. We make sure it’s told accurately.
Survey history
State surveys and CMS ratings get scrutinized on every SNF submission. We put results in context before an underwriter draws conclusions.
Experience mod
A high mod compounds every renewal. We verify the data behind yours and build the plan to bring it down.
Change of ownership
CHOW transactions need coverage placed on a deadline across every line. We run those placements routinely.
Higher-acuity services
Subacute, ventilator, dialysis, and bariatric care change your risk profile. We place facilities that carriers consider tough.
Get a quote for your facility
Complete the intake in about ten minutes, or call 818-937-1827.