Great American Risk Solutions – Non-Admitted Long-Term Care Liability Partner for Indiana Senior-Care Facilities
Supporting Indiana Long-Term Care and Senior-Care Communities with Non-Admitted Liability Capacity via Wholesale Brokers
Great American Risk Solutions provides non-admitted property and casualty products to the wholesale brokerage market, including a Long-Term Care program that offers liability solutions for long-term care facilities. The Long-Term Care (non-admitted) program includes general liability, professional liability, employee-benefits liability, hired and non-owned auto liability endorsed into the GL limit, and excess limits up to 10 million, giving wholesalers and their facility clients significant flexibility.
This makes Great American a key non-admitted capacity provider behind long-term care and senior-care programs that serve facilities in Indiana and other states.
Who Is Great American Risk Solutions?
Great American Risk Solutions is a division of Great American Insurance Group that supplies industry-leading non-admitted property and casualty products via wholesale brokers on an excess and surplus (E&S) basis. Its Long-Term Care product sheet highlights coverage parts such as general liability, professional liability, employee-benefits liability, HNOA, and excess limits, structured for long-term care facilities.
The program is designed to meet the needs of wholesale brokers who serve long-term care and senior-care clients, including operators with more complex or challenging risk profiles.
Why Indiana Long-Term Care Facilities Need Great American
Indiana long-term care and senior-care facilities may touch Great American’s program when:
Their broker places them into a non-admitted long-term care facility program using Great American capacity.
They need higher liability limits, including excess up to 10 million, or self-insured retentions starting at 50,000.
Standard admitted markets cannot provide the required combination of limits, deductibles, or terms, so the broker turns to E&S solutions.
Because the Great American Long-Term Care program is built for long-term care facilities, it directly aligns with Indiana operators needing non-admitted solutions.
What Sets Great American’s Long-Term Care Program Apart
The Long-Term Care program emphasizes:
General liability limits structured at 1M per occurrence and 3M aggregate, with extended medical-payments coverage.
Professional liability with 1M/3M limits, employee-benefits liability at 1M, and HNOA liability endorsed and inclusive of the GL limit.
Excess limits up to 10M, with deductibles starting at 5,000 and self-insured retentions starting at 50,000, offered on indemnity and expense or indemnity-only bases.
For Indiana senior-care communities, this means access to robust liability structures through wholesale channels when needed.
Coverage Solutions for Indiana Facilities
Through wholesale brokers and programs, Great American Risk Solutions can help Indiana facilities:
Secure non-admitted general and professional liability coverage tailored to long-term care operations.
Add employee-benefits liability and HNOA, consolidating key liability exposures in one program.
Layer excess liability coverage above primary programs for higher total limits.
Facilities typically never buy directly from Great American Risk Solutions; instead, their brokers place them into these structures.
Industry Insight: The Real Cost of Staff Burden in Non-Admitted LTC Programs
Non-admitted long-term care programs rely heavily on accurate incident and claim data to justify capacity and pricing. When Indiana facilities have incomplete documentation around falls, pressure injuries, medication events, or abuse allegations, wholesale brokers and non-admitted carriers see more uncertainty and may raise retentions or restrict limits.
Better documentation not only supports claim handling but also helps preserve access to E&S capacity that might otherwise shrink.
Case Story: When Documentation Gaps Pressure Great American Program Terms in Indiana
If several Indiana facilities within a Great American long-term care program report severe but poorly documented claims, underwriters may respond by increasing deductibles, pushing higher self-insured retentions, or reducing line sizes.
When those facilities enhance documentation—capturing event details, interventions, and corrective actions—brokers and Great American underwriters can track improvement and may support more stable terms at renewal.
How Caring Data Complements Great American’s LTC Solutions
Caring Data helps Indiana long-term care and assisted-living communities centralize incident reporting, clinical documentation, and corrective-action tracking, creating the complete records that non-admitted programs expect.
By improving documentation quality and consistency, Caring Data strengthens facility submissions to wholesale brokers and Great American Risk Solutions and supports smoother claims and renewals.
Explore Caring Data: https://caringdata.com/
Book a Demo: https://calendly.com/saile/60min
Testimonial
“Our Indiana long-term care facilities participate in a specialty liability program that relies on non-admitted capacity. Caring Data has helped us provide the detailed documentation our wholesale broker and Great American need to support underwriting and claims. I would recommend this combination to any Indiana senior-care provider using E&S programs.”
— Executive Director, Long-Term Care Facility, Indiana
Get in Touch with Great American Insurance Group
Key Contacts:
Great American Insurance Group, 301 East Fourth Street, Cincinnati, OH 45202; Great American Risk Solutions – Long-Term Care; Office: 513-287-8155 / 800-254-5482; Program submissions: GARSHealthcareSubmissions@gaig.com; Claims: GARSclaims@gaig.com; Loss-run requests: clossruns@gaig.com.
Final Thoughts
Indiana long-term care facilities that rely on Great American’s non-admitted LTC program gain access to specialized liability capacity; Caring Data provides the documentation foundation that helps support those placements.
Hanover Insurance Group – Indiana