Great American – Long-Term Care Facility Insurance Partner for Illinois Senior-Care Providers
Supporting Illinois Senior-Care Communities with Long-Term Care Facility Liability and Property Solutions
Great American Insurance Group’s Great American Risk Solutions division offers a non-admitted Long-Term Care program that serves skilled nursing facilities (SNFs), assisted-living facilities (ALFs), dementia/memory-care facilities, independent-living facilities, and life-plan communities. The program provides liability and related coverages to long-term care facilities via the wholesale brokerage market, and healthcare materials from Great American highlight specialized insurance for healthcare industry risks.
A Great American Risk Solutions brochure notes that the Long-Term Care program is designed for wholesalers and offers a combination of general liability, professional liability, and related coverages for senior-care centers, assisted-living facilities, and retirement communities.
Who Is Great American Insurance Group?
Great American Insurance Group is a multi-line specialty and commercial insurer headquartered in Cincinnati, Ohio, with multiple divisions focused on niche industries. Great American Risk Solutions provides industry-leading non-admitted property and casualty products to the wholesale brokerage market, including long-term care programs for senior-care facilities.
Within healthcare, Great American offers risk solutions designed to protect patients, staff, property, and executive leadership for senior-care centers, assisted-living facilities, and retirement communities.
Why Illinois Assisted-Living Facilities Need Great American
Illinois assisted-living and senior-care facilities may work with Great American when:
Their wholesale or retail brokers access Great American’s non-admitted Long-Term Care program to secure tailored liability and property coverage.
They need specialized coverage for assisted-living, memory-care, and life-plan communities that may not fit standard admitted markets.
They want the backing of a specialty carrier experienced in senior-care portfolios and wholesale distribution.
Because Great American’s Long-Term Care program explicitly lists assisted-living facilities as a target, Illinois communities can see Great American as a direct fit for their facility-level risk.
What Sets Great American Apart
Great American’s Long-Term Care offerings emphasize:
Coverage for a full continuum of senior-care operations—SNFs, ALFs, dementia/memory-care, independent-living, and life-plan communities.
Non-admitted program capacity accessed through wholesale brokers, with excess limits up to 10M and deductibles or self-insured retentions designed for long-term care facilities.
Specialized underwriting and claims resources focused on senior-care and healthcare risks within Great American Risk Solutions.
For Illinois senior-care communities, this means more options and senior-care-specific structures for long-term care facility risks.
Coverage Solutions for Illinois Facilities
Through its Long-Term Care program and healthcare risk solutions, Great American helps support:
Primary and excess liability for long-term care facilities, including general liability, professional liability, medical payments, employee-benefits liability, and hired/non-owned auto, with excess limits up to 10M.
Property and casualty protection tailored to senior-care facilities accessed via wholesalers using submissions addresses and dedicated healthcare contacts.
Executive liability and alternative-markets offerings to address governance and specialized risk at senior-care centers and retirement communities.
Illinois facilities typically work with wholesale and retail brokers that interface directly with Great American’s healthcare underwriters and submissions teams.
Industry Insight: The Real Cost of Staff Burden in Long-Term Care Facility Programs
Program carriers like Great American see how staff burden and documentation quality at assisted-living and senior-care facilities drive claim outcomes. When Illinois facilities submit incomplete incident reports, inconsistent clinical notes, or weak maintenance documentation, claim severity and volatility rise, putting long-term care program capacity and pricing under pressure.
Facilities that maintain detailed, timely documentation give Great American a stronger basis for underwriting, reserving, and defending claims, supporting more stable terms.
Case Story: When Documentation Gaps Pressure Program Capacity in Illinois
If several Illinois assisted-living facilities insured through Great American’s Long-Term Care program generate large, poorly documented liability or property claims, the program’s supporting capacity may respond with higher rates, tighter underwriting, or reduced line sizes for similar facilities.
Facilities that provide complete incident narratives, clinical records, and corrective-action plans help Great American demonstrate improving risk and justify continued program capacity for Illinois senior-care providers.
How Caring Data Complements Great American Programs
Great American’s long-term care and healthcare programs rely on accurate facility data to evaluate portfolios and respond to carrier and reinsurer expectations. Caring Data helps Illinois assisted-living communities centralize incident reports, clinical documentation, and corrective-action plans, making it easier to respond to Great American’s data and audit requests.
By strengthening documentation discipline and visibility, Caring Data supports better outcomes on Great American-backed programs and more sustainable capacity for long-term care risks in Illinois.
Explore Caring Data: https://caringdata.com/
Book a Demo: https://calendly.com/saile/60min
Testimonial
“Operating an assisted-living and memory-care community in Illinois means managing complex liability and property risks. Working with Great American’s Long-Term Care facility program has given us coverage tailored to our operations. Using Caring Data as our documentation platform has helped ensure our records support Great American’s underwriting and claims expectations. I would recommend this combination to any Illinois senior-care facility focused on long-term stability.”
— Executive Director, Assisted-Living Facility, Illinois
Get in Touch with Great American Insurance Group
Website:
https://www.greatamericaninsurancegroup.com/
Key Contacts:
Great American Risk Solutions – Long-Term Care Program; submissions and healthcare contacts listed at gaig.com/grs/healthcare, with general information for Great American Insurance Group, 301 East Fourth Street, Cincinnati, OH 45202.
Final Thoughts
Illinois assisted-living facilities that use Great American’s Long-Term Care program benefit from a specialty carrier with programs designed specifically for senior-care facilities; Caring Data helps them present the documentation needed to maintain that relationship.
Hanover Insurance Group – Illinois