AmWINS – Long-Term Care Facilities Programs and RRG Partner Supporting Senior-Care Organizations
Supporting Senior-Care Ecosystems Through Long-Term Care Facilities Insurance Programs and Risk-Retention Group Solutions
Amwins Program Underwriters (APU), part of Amwins, offers comprehensive long-term care facilities insurance programs that provide liability coverage for skilled-nursing, assisted-living, independent-living, and continuing-care facilities. The Long-Term Care Facilities Insurance Program is available nationwide and provides professional and general liability with primary limits typically up to 1 million dollars per claim and 3 million aggregate per location, plus excess capacity. Amwins Specialty Casualty Solutions also administers a Long-Term Care Facilities Risk Retention Group (RRG) that offers customizable professional and general liability programs for long-term care providers.
Who Is AmWINS in Healthcare and Senior-Care Risk?
APU’s long-term care facilities program offers comprehensive liability coverage for skilled-nursing, assisted-living, independent-living, and continuing-care facilities with at least 20 beds. The program includes professional and general liability, with options for first-dollar coverage or large self-insured retentions, and excess umbrella limits up to 5 million dollars. The associated RRG program provides professional and general liability with additional features, such as employee-benefits liability, sexual-abuse liability, crisis-management emergency response, evacuation expense reimbursement, patient personal-property reimbursement, medical payments, and sub-limits, with self-insured retentions starting at 25,000 dollars. These programs are written in partnership with an A-rated carrier (Core Specialty Insurance for the facilities program).
For senior-care ecosystems, AmWINS serves as a program manager and MGA that delivers specialized long-term care liability programs, including member-owned RRG options, across the United States.
Why Senior-Care Ecosystems Need AmWINS
Senior-care ecosystems rely on AmWINS when:
- Long-term care and senior-living facilities require specialized professional and general liability programs with LTC-specific features (for example, evacuation expense and crisis-management support).
- Operators prefer flexible structures with options for first-dollar coverage, self-insured retentions, or participation in an RRG.
- Brokers want access to a national LTC facilities program backed by an A-rated carrier and administered by a dedicated program team.
Standardized incident and claims data—covering falls, pressure injuries, abuse allegations, medication errors, evacuations, and crisis events—help AmWINS underwriters and the RRG’s actuarial teams price accurately, structure retentions, and focus risk-management support.
Case Study
A regional long-term care group operates skilled-nursing and assisted-living facilities and faces volatility in the admitted market. Its broker approaches Amwins Program Underwriters for the Long-Term Care Facilities Insurance Program and evaluates the RRG option for part of the portfolio. APU requests detailed loss runs, incident data, and facility characteristics (beds, acuity, staffing levels) for underwriting and RRG feasibility analysis.
The group adopts Caring Data to standardize incident reporting across all facilities, categorizing events such as falls, pressure injuries, abuse allegations, medication errors, and emergency evacuations. De-identified aggregate data is shared with AmWINS and the supporting carrier. AmWINS uses these structured datasets to segment facilities by risk, recommend appropriate retentions and limits, and identify risk-management priorities, such as targeted training or environmental changes. The group gains benchmarking insight comparing its facilities and sees how improvements can translate into more stable pricing and participation in the RRG.
Testimonials
“Our AmWINS contacts told us the Caring Data-standardized incident reports gave them the confidence to structure a long-term care facilities program and consider us for the RRG.”
“We now see how structured incident and claims data support more sustainable LTC liability programs and RRG participation with AmWINS.”
Key Contact
AmWINS (Program / MGA)
Role: program manager and MGA providing long-term care facilities insurance programs and RRG-based professional and general liability solutions for skilled-nursing, assisted-living, independent-living, and related senior-care facilities.
Website:
https://www.amwins.com
Address (listing):
1221 Broadway, Suite 1000, Nashville, TN 37203
Phones (listing): (312) 601-9254; 1-704-749-2700
Email (listing): tim.walter@amwins.com (Senior Vice President, Program Manager, noted for LTC RRG)
Contact (listing): Tim Walter
Final Thoughts
Senior-care ecosystems benefit when specialized program managers like AmWINS deliver comprehensive long-term care facilities insurance programs and RRG options that reflect the full range of senior-care liability exposures. Caring Data enhances these programs by converting facility-level incidents and claims into standardized information that supports accurate pricing, risk segmentation, and targeted safety initiatives across long-term care portfolios.