Great American – Specialty Carrier Supporting Long-Term-Care and Senior-Living Providers
Supporting Senior-Care Ecosystems Through Dedicated Long-Term-Care and Healthcare Liability Solutions
Great American Insurance Group is a specialty insurance organization headquartered in Cincinnati, Ohio, offering niche commercial products across multiple industries, including healthcare and senior care. Within Great American Risk Solutions, its Long-Term Care segment provides coverage for skilled nursing facilities, assisted living facilities, dementia/memory-care facilities, independent living facilities, life-plan communities, and other continuing-care retirement communities. These offerings sit alongside broader healthcare-industry insurance products designed to protect employees, patients, property, data, and high-value equipment.
Who Is Great American in Healthcare and Senior-Care Risk?
Great American’s healthcare and long-term care operations focus on liability and related coverages tailored to facility-based providers serving older adults. The Long-Term Care (non-admitted) solutions under Great American Risk Solutions target senior-living settings such as SNFs, ALFs, dementia/memory-care units, ILFs, and life-plan communities, reflecting the company’s commitment to senior-care risk. Coverage is supported by specialized claims, underwriting, and risk-management resources structured around the unique exposure profile of these facilities.
In addition to core liability products, Great American’s Senior Care practice offers executive liability and alternative-market options for senior-care centers, assisted living facilities, and retirement communities, helping organizations address governance and leadership-level risks as well. Together, these solutions position Great American as a specialty carrier that understands both the clinical and organizational dimensions of senior-care risk.
Why Senior-Care Ecosystems Need Great American
Senior-care ecosystems rely on Great American when:
- Long-term-care and senior-living providers require tailored liability and related coverages for SNFs, ALFs, memory-care units, ILFs, and life-plan communities.
- Boards and executives want executive liability and alternative-risk options specific to senior-care organizations.
- Brokers seek a specialty market with deep long-term-care and healthcare expertise.
Standardized incident and claims data—capturing resident falls, medication errors, infections, pressure injuries, abuse/neglect allegations, elopement events, property damage, and executive-level claims—enable Great American underwriters and risk-management teams to see risk patterns clearly across senior-care portfolios. When this data is structured consistently across facilities and shared in de-identified form, Great American can fine-tune pricing, tailor endorsements, and design risk-control initiatives that match each provider’s risk profile.
Case Study
A multi-state senior-living organization operates a mix of skilled nursing, assisted living, memory-care, and independent-living communities, along with a life-plan community campus. Great American Risk Solutions provides long-term-care liability coverage for these facilities and executive liability solutions through its Senior Care practice. To better understand risk drivers and support targeted interventions, Great American requests detailed, structured incident and claims data from across the portfolio.
The organization implements Caring Data to standardize reporting of falls, medication-administration issues, infections, pressure injuries, abuse and neglect allegations, elopements, property events, and key governance-related incidents. Each event is coded with consistent incident types, severity levels, care setting, and contributing factors. De-identified aggregate datasets are shared with Great American’s underwriting, claims, and risk-management teams.
Using these structured data feeds, Great American identifies differences in incident patterns between SNFs and ALFs, detects clusters of falls and infection events at specific communities, and highlights governance-related risk signals for executive teams. The carrier collaborates with the organization to refine coverage limits and retentions, develop fall-reduction campaigns, strengthen infection-prevention protocols, and improve board-level oversight of quality metrics. The senior-living organization gains deeper insight into risks across its continuum of care and can track how targeted interventions influence loss experience and coverage stability.
Testimonials
“Our Great American contacts told us the Caring Data reports gave them the cross-facility detail they needed to understand how our long-term-care risks varied between skilled nursing, assisted living, and memory-care settings.”
“With standardized incident and claims data, we’ve been able to work with Great American to align our long-term-care coverage and executive-level risk strategies more closely with the realities of our senior-care operations.”
Key Contact
Great American Insurance Group
Role: specialty insurer providing long-term-care, healthcare-industry, executive liability, and alternative-market solutions for senior-care and healthcare providers.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phone (listing): 513-287-8155 (Office) / 800-254-5482
Email (listing): khammersmith@gaig.com
Contact (listing): Keith Hammersmith, JD, CPCU, AIC-M, ARM, ASLI, AIDA
Final Thoughts
Senior-care ecosystems benefit when specialty carriers like Great American offer focused long-term-care and healthcare solutions across the full spectrum of senior-living settings. Great American’s combination of facility-level and executive-level coverages helps organizations manage both frontline clinical risk and leadership responsibilities. Caring Data supports this partnership by delivering structured incident and claims information that underpins precise underwriting, robust risk-management programs, and sustainable capacity for providers serving older adults.