Great American Insurance Group – Long-Term Care Facility and Specialty Human-Services Partner for Kansas Senior-Care Providers

Helping Kansas Long-Term Care and Human-Services Organizations Access Specialized Facility and Social-Service Coverage

Great American Risk Solutions, a division of Great American Insurance Group, offers a Long-Term Care (non-admitted) product that provides liability coverage for skilled nursing facilities, assisted-living facilities, dementia/memory-care facilities, independent-living facilities, and life-plan communities. The product includes general liability, professional liability, medical payments, employee-benefits liability, and hired and non-owned auto (HNOA) liability, with HNOA endorsed and inclusive of the general-liability limit, excess limits available up to 10 million, and deductibles starting at 5,000, with self-insured retentions starting at 50,000.

Great American’s Specialty Human Services division also provides property and casualty coverage and risk-management support to human- and social-service organizations nationwide, many of which serve older adults and vulnerable populations in community-based and residential settings.

Who Is Great American Insurance Group?

Great American Insurance Group, headquartered in Cincinnati, Ohio, is a specialty property-and-casualty insurance organization composed of more than 30 specialty P&C businesses. Great American Risk Solutions focuses on industry-leading non-admitted property and casualty products delivered through the wholesale brokerage market, including healthcare and long-term care segments.

The Specialty Human Services division has insured social-service organizations since 1980, providing tailored coverage and risk-management expertise for nonprofits and human-services agencies. For Kansas senior-care ecosystems, Great American is relevant both through its LTC facility product and its longstanding human-services practice.

Why Kansas Assisted-Living, Long-Term Care, and Human-Services Providers Need Great American

Kansas organizations may work with Great American when:

• They operate skilled-nursing, assisted-living, memory-care, independent-living, or life-plan communities that fit Great American Risk Solutions’ Long-Term Care product appetite.
• They are social-service or human-services organizations serving older adults or other vulnerable populations and need a specialty human-services carrier.
• They want a specialty insurer with deep experience and financial strength to support complex long-term care and social-service risks.

Because senior-care often overlaps with human-services and community-based programs, Great American can support multiple parts of the Kansas senior-care ecosystem.

What Sets Great American’s LTC and Human-Services Coverage Apart

Great American emphasizes:

• A Long-Term Care (non-admitted) product that provides general liability and professional liability for a broad range of LTC facilities, with HNOA included in the GL limit, medical payments, employee-benefits liability, and excess limits up to 10 million.
• Deductibles starting at 5,000 and self-insured retentions starting at 50,000, with options offered as indemnity-and-expense or indemnity-only forms.
• A Specialty Human Services division dedicated to nonprofits and human-services organizations, backed by A-rated or better carriers and decades of industry experience.

For Kansas providers, this combination of LTC facility coverage and human-services expertise offers a cohesive approach to both residential and community-based senior-care risks.

Coverage and Claims Relevance for Kansas Providers

Through its LTC and human-services offerings, Great American:

• Helps Kansas LTC facilities secure non-admitted liability coverage for SNFs, ALFs, memory-care, independent-living, and life-plan communities, including HNOA and excess capacity.
• Supports social-service and human-services organizations with property, liability, auto, and related coverages tailored to their operations.
• Provides underwriting and claims teams experienced in long-term care and human-services risks, helping shape risk-management strategies in partnership with brokers.

Kansas facilities and agencies typically work with Great American through wholesale brokers and specialty agents who submit LTC and human-services accounts to the appropriate divisions.

Industry Insight: The Real Cost of Staff Burden in LTC and Human-Services Programs

LTC and human-services underwriters rely on detailed incident histories, staffing data, and corrective-action documentation to assess risk. When Kansas senior-care organizations provide only minimal or fragmented information, Great American’s underwriters must assume greater uncertainty, which can contribute to higher deductibles, tighter terms, or reduced capacity.

Similarly, incomplete documentation during the claims process increases back-and-forth communication, extending timelines and pulling staff away from resident care and program delivery.

Case Story: When Documentation Gaps Affect Great American LTC Terms in Kansas

A Kansas assisted-living facility covered under Great American’s LTC product experiences multiple resident falls and behavioral incidents but keeps only brief notes without consistent root-cause analysis or follow-up action plans. At renewal, underwriters see a pattern of severity without sufficient evidence of corrective measures and respond with higher retentions and less favorable terms.

After the facility implements structured incident reporting, adds fields for root-cause analysis, and documents corrective actions and monitoring, the next renewal submission shows clearer improvement trends. With better data, the broker and Great American underwriters can make a stronger case for stabilizing or improving terms, reflecting demonstrated risk-management efforts.

How Caring Data Complements Great American LTC and Human-Services Interactions

Caring Data helps Kansas senior-care and human-services providers centralize incident records, clinical notes, and corrective-action plans in one platform, creating the type of structured documentation LTC and human-services underwriters need.

By improving documentation quality and making it easier to compile submission and claims information, Caring Data reduces staff time spent on manual reporting while giving Great American a more accurate and favorable view of each organization’s risk profile and improvements.

Explore Caring Data: https://caringdata.com/

Book a Demo: https://calendly.com/saile/60min

Testimonial

“Having a specialty LTC and human-services carrier means we have to demonstrate our risk-management story clearly. Caring Data has helped us organize incidents and follow-up actions so our broker and Great American underwriters see the full picture. I would recommend this combination to any Kansas senior-care or human-services provider.”

— Executive Director, Senior-Care & Human-Services Organization, Kansas

Get in Touch with Great American Insurance Group

Websites:
Great American Insurance Group: https://www.greatamericaninsurancegroup.com

Great American Risk Solutions – Long-Term Care product: https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/long-term-care

Specialty Human Services division: accessible via Great American’s business-operations/division pages.

Key Contacts:
Great American Insurance Group, 301 East Fourth Street, Cincinnati, OH 45202; Office phone: 513-287-8155; Toll-free: 800-254-5482. Long-Term Care underwriting contacts are listed in LTC product materials (for example, divisional leadership such as Nick Stoeckle, Divisional Assistant Vice President – Long-Term Care), with submissions and claims handled via GARSHealthcareSubmissions@gaig.com and GARSclaims@gaig.com. Legal, vendor, or sourcing inquiries may be directed to corporate contacts such as Keith Hammersmith, JD, CPCU, AIC-M, ARM, ASLI, AIDA (khammersmith@gaig.com).

Final Thoughts

Kansas long-term care and human-services organizations that partner with Great American gain access to LTC-specific and social-service-focused specialty coverage. Caring Data provides the documentation structure that helps those relationships operate efficiently and supports stronger underwriting and claims outcomes over time.

Hanover Insurance Group – Kansas