Great American – Long-Term-Care Facility Liability Partner Supporting North Carolina Senior-Care Facilities
Helping North Carolina Senior-Care Ecosystems Through Non-Admitted Long-Term-Care Facility Programs
Great American Insurance Group, based in Cincinnati, Ohio, operates in property-and-casualty insurance and offers a non-admitted Long-Term Care program through Great American Risk Solutions. The program serves skilled-nursing facilities, assisted-living facilities, dementia/memory-care facilities, independent-living facilities, and life-plan communities with specialized general- and professional-liability coverage. Great American is not a retail LTC insurer; it is a specialty commercial carrier with dedicated LTC facility solutions. For North Carolina senior-care ecosystems, Great American matters when facilities need non-admitted LTC liability programs.
Who Is Great American in Long-Term-Care Facility Risk?
The Great American Risk Solutions Long-Term Care (non-admitted) product provides general-liability coverage (Coverages A & B) with limits such as 1M/3M/1M/1M, medical-payments coverage, professional-liability limits (for example 1M/3M), employee-benefits liability, and hired/non-owned auto liability. Excess limits can reach up to 10 million dollars, supported or unsupported, with deductibles starting at 5,000 dollars or self-insured retentions starting at 50,000 dollars. The target classes include SNFs, ALFs, memory-care, ILFs, and life-plan communities.
In North Carolina, such facilities may access Great American’s LTC program via brokers when they need flexible non-admitted solutions.
Why North Carolina Senior-Care Ecosystems Need Great American
North Carolina senior-care ecosystems may rely on Great American when:
- Facilities require LTC-specific GL/PL programs, sometimes on a non-admitted basis.
- Underwriters ask for detailed loss, clinical, and operational data.
- Higher limits or tailored retention structures are needed.
That makes robust, structured documentation crucial for NC facilities insured through Great American.
Case Study: Great American LTC Non-Admitted Program for North Carolina SNFs and ALFs
A North Carolina senior-care operator manages a portfolio of skilled-nursing, assisted-living, and memory-care facilities and places coverage with Great American’s Long-Term Care non-admitted program. Over several policy periods, the portfolio sees falls, wounds, medication errors, and abuse allegations. Great American requests:
- Detailed loss runs by facility and allegation type.
- Incident reports, investigations, and root-cause analyses.
- Clinical documentation supporting care-plans and interventions.
- Staffing and training data, plus QI initiatives at each NC facility.
The operator’s documentation exists in several EHRs, HR systems, and spreadsheets, complicating portfolio-level analysis for Great American.
The operator implements Caring Data to capture incidents, functional and clinical changes, staffing metrics, and QI efforts across its North Carolina facilities. Great American’s underwriters and claims team use Caring Data reports to see trends, identify high- and low-performing sites, and adjust coverage and risk-management conversations.
How Caring Data Complements Great American
Caring Data helps North Carolina LTC operators present Great American with re-usable risk information. For NC ecosystems, Caring Data:
- Links incidents, outcomes, and staffing trends across facilities and time.
- Simplifies assembling underwriting submissions and stewardship reports for Great American LTC programs.
- Improves transparency for boards, regulators, residents, and Great American around risk and improvement initiatives.
Explore Caring Data:
Book a Demo:
https://calendly.com/saile/60min
Testimonial
“Because our North Carolina long-term-care facilities rely on Great American’s LTC program, the way we document incidents and improvement projects directly affects our coverage and pricing. Caring Data has helped us centralize incident, ADL, and staffing information, which Great American now uses when reviewing our North Carolina portfolio. I would recommend this combination to any NC LTC operator working with Great American.”
— Chief Clinical Officer, LTC Operator, North Carolina
Key Contact
Great American Insurance Group
LTC program overview: Great American Risk Solutions – Long-Term Care (non-admitted)
Program details: target classes, GL/PL limits, excess limits, deductibles/SIRs
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phones (examples): 513-287-8155; 800-254-5482
Program contact example: Nick Stoeckle, Divisional Assistant Vice President – Long-Term Care (email and phone as on LTC brochure)
Additional contact: khammersmith@gaig.com
Final Thoughts
North Carolina senior-care ecosystems benefit when LTC facility programs from carriers like Great American are paired with strong data. Caring Data provides the documentation layer that makes those programs truly performance-based.
The Hanover Insurance Group – North Carolina
The Hanover Insurance Group – North Carolina