Great American – Non-Admitted Long-Term-Care Partner Supporting Senior-Care Facilities
Supporting Senior-Care Ecosystems Directly Through Non-Admitted Long-Term-Care Liability and Property Solutions
Great American Insurance Group, through Great American Risk Solutions, provides non-admitted property and casualty products to the wholesale brokerage market, including a dedicated long-term-care program. This program offers general liability, professional liability, and related coverages tailored to long-term-care facilities, with excess limits and flexible deductible and retention options. Great American’s long-term-care solutions help senior-care operators manage complex liability exposures in challenging markets.
Who Is Great American in Healthcare and Senior-Care Risk?
Great American’s Long-Term-Care (non-admitted) product provides industry-leading P&C solutions for long-term-care operators via wholesale brokers. Coverage features include:
Coverage A & B – General Liability with specified limits,
Coverage D – Professional Liability,
Employee Benefits Liability, medical payments, HNOA liability, and excess limits up to 10 million dollars, supported or unsupported.
Programs are offered with deductibles or self-insured retentions, giving facilities flexibility in how they retain and transfer risk. Great American’s risk-solutions approach focuses on long-term-care facilities that need customized structures and strong claims support.
Why Senior-Care Ecosystems Need Great American
Senior-care ecosystems rely on Great American when:
They seek non-admitted solutions for long-term-care liability in tough or transitioning markets.
They need integrated general liability, professional liability, and optional excess structures.
They work with wholesale brokers to place complex long-term-care accounts.
That makes detailed, standardized incident and claims data critical for evaluating risk, setting retentions, and sustaining capacity.
Case Study: Great American–Insured Long-Term-Care Portfolio
A multi-state operator of skilled-nursing and assisted-living facilities places its liability program with Great American’s long-term-care non-admitted product through a wholesale broker. Great American’s underwriters and claims team request:
Loss runs with clear breakdowns of GL and PL claims, including types such as falls, pressure injuries, and abuse.
Exposure data such as bed counts, occupancy, and services offered, by facility.
Information on risk-management activities and oversight structures.
The operator’s incident and claims data are captured differently across regions, making it difficult to produce a coherent, portfolio-level view for underwriting and renewals.
The organization adopts Caring Data to standardize clinical-incident and outcome reporting, harmonizing categories and severity scales across facilities. Great American and the wholesale broker use the structured datasets to analyze trends, tailor retentions and limits, and identify where targeted risk-management support can most effectively reduce loss costs. This supports a more stable, sustainable relationship in the non-admitted market.
Testimonials
“Our Great American underwriters told us the standardized data we shared through Caring Data made our long-term-care story much clearer.”
“We now see how consistent incident reporting directly supports retention decisions and excess-limit support with Great American.”
Key Contact
Great American Insurance Group
Role: specialty P&C insurer providing non-admitted long-term-care liability and related coverages via wholesale brokers.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phone (office): 513-287-8155
Phone (general LTC contact): 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 provide flexible, non-admitted long-term-care programs that can respond to complex risk profiles. These structures help facilities secure needed capacity when standard markets are constrained. Caring Data strengthens this relationship by delivering the granular incident and claims information Great American and brokers need to evaluate and sustain senior-care portfolios.
The Hanover Insurance Group – Healthcare & Senior-Care Solutions – United States