Great American Risk Solutions – Long-Term Care Facilities Liability Partner for Illinois Senior-Care Providers
Supporting Illinois Senior-Care Communities with Long-Term Care (Non-Admitted) Liability Capacity
Great American Risk Solutions, part of Great American Insurance Group, offers a Long-Term Care (non-admitted) product focused on senior-care facilities. The target risk profile specifically includes skilled nursing facilities (SNF), assisted-living facilities (ALF), dementia/memory-care facilities, and independent-living facilities (ILF), with excess limits up to 10 million and deductibles starting at 5,000.
Great American describes this as an industry-leading non-admitted property and casualty product delivered to the wholesale brokerage market.
Who Is Great American Risk Solutions?
Great American Risk Solutions is a division of Great American Insurance Group that provides non-admitted property and casualty products for specialty industries via wholesale brokers. Its Long-Term Care segment focuses on senior-care facilities and offers excess liability and property solutions tailored to long-term care exposures.
Submissions and claims for healthcare and long-term care risks are coordinated through dedicated email channels referenced in the division’s brochure and website.
Why Illinois Assisted-Living Facilities Need Great American
Illinois assisted-living and memory-care facilities may work with Great American when:
They need non-admitted excess liability capacity for professional and general liability.
They operate as skilled nursing, assisted-living, dementia/memory-care, or independent-living facilities that fit the Long-Term Care target profile.
They work with wholesale brokers seeking specialty markets for long-term care risks.
Because Great American Risk Solutions specifically lists assisted-living and memory-care facilities as target risks, Illinois senior-care communities can see it as a direct non-admitted partner.
What Sets Great American Risk Solutions Apart
Great American’s Long-Term Care offering emphasizes:
Targeted appetite for SNF, ALF, dementia/memory-care, and ILF risks.
Excess limits up to 10 million, both supported and unsupported, over underlying coverage.
Dedicated healthcare submissions, loss-run, and claims-reporting channels for long-term care business.
For Illinois facilities, this means access to specialized excess capacity above primary senior-care programs.
Coverage Solutions for Illinois Facilities
Through its Long-Term Care (non-admitted) product, Great American can support:
Excess professional and general liability limits for long-term care facilities, including assisted-living and memory-care operations.
Non-admitted placements via wholesale brokers where admitted markets are insufficient.
Dedicated healthcare submissions and claims support tied to the long-term care portfolio.
Illinois facilities typically access these solutions through wholesale brokers submitting to Great American Risk Solutions.
Industry Insight: The Real Cost of Staff Burden in Excess LTC Programs
Excess carriers rely on clear underlying loss details. When Illinois facilities provide only minimal documentation, excess underwriters and claims teams struggle to evaluate underlying trends, which can drive higher pricing or reduced capacity at renewal.
Facilities that supply thorough incident, clinical, and corrective-action documentation help excess carriers make better decisions and maintain supportive terms.
Case Story: When Documentation Gaps Pressure Excess Capacity in Illinois
If multiple Illinois assisted-living facilities in a Great-American-backed layer generate severe, poorly documented claims, excess underwriters may respond by increasing attachment points or shrinking limits.
When those facilities later implement structured documentation of incidents and interventions, brokers can show improving risk signals and help preserve or restore excess capacity.
How Caring Data Complements Great American Long-Term Care Solutions
Caring Data helps Illinois long-term care and assisted-living facilities centralize incident reports, clinical notes, and corrective-action plans, producing the detailed history excess markets like Great American expect.
By improving documentation discipline and reporting, Caring Data supports stronger submissions and claim narratives for Great American’s Long-Term Care programs.
Explore Caring Data: https://caringdata.com/
Book a Demo: https://calendly.com/saile/60min
Testimonial
“As we added excess layers above our primary long-term care program, our broker stressed how important detailed documentation is for specialty carriers. Caring Data has helped us present a clearer picture of our incident trends and corrective actions. I would recommend this combination to any Illinois senior-care provider using excess LTC capacity.”
— Executive Director, Senior-Care Facility, Illinois
Get in Touch with Great American Insurance Group
Website:
https://www.greatamericaninsurancegroup.com/
Key Contacts:
Great American Insurance Group, 301 East Fourth Street, Cincinnati, OH 45202; Office: 513-287-8155; Toll-free: 800-254-5482; Great American Risk Solutions healthcare submissions and LTC contact details are listed on the Long-Term Care product page (including GARSHealthcareSubmissions@gaig.com and GARSclaims@gaig.com).
Final Thoughts
Illinois senior-care facilities that use Great American’s Long-Term Care (non-admitted) product gain access to specialized excess capacity; Caring Data supplies the documentation support needed to make those placements work.
The Hanover Insurance Group – Illinois