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 flexible deductibles, self-insured retentions, and excess limits. Great American also offers non-admitted property solutions for senior-living, assisted-living, and nursing homes.
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, covering professional and general liability exposures. Features include separate coverage parts for GL and PL, optional employee-benefits liability, medical-payments, HNOA, and support for excess layers up to 10 million dollars.
Great American Risk Solutions’ property offerings supply non-admitted capacity for senior-living, assisted-living, and nursing-home risks, supporting accounts that may face capacity constraints in the admitted market. This combination makes Great American a key partner for senior-care operators with complex risk profiles.
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 challenging markets.
They need integrated GL/PL structures and optional excess capacity.
They require non-admitted property capacity for senior-living and nursing-home assets.
That makes high-quality incident and claims data essential for underwriting, retention decisions, and sustainable capacity.
Case Study: Great American–Insured Multi-State Long-Term-Care Operator
A multi-state operator of skilled-nursing and assisted-living facilities places its non-admitted GL/PL and property programs with Great American through a wholesale broker. Great American’s underwriters and claims team request:
Loss runs distinguishing GL vs PL and property claims, with event descriptions.
Exposure data such as bed counts, occupancy, services offered, and property values.
Information on risk-management practices and oversight structures.
Data are captured differently across regions, hampering portfolio-level analysis and renewal negotiations.
The operator adopts Caring Data to standardize clinical-incident and property-loss reporting across facilities. Great American and the broker use these structured datasets to analyze trends, adjust retentions and limits, and identify where targeted risk-management support will most effectively reduce loss costs, supporting a more stable, long-term relationship.
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 property solutions to senior-care facilities via wholesale brokers.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phone (office): 513-287-8155
Phone (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 respond to complex risk profiles and market constraints. Caring Data strengthens this partnership by delivering granular incident and claims data that support more accurate underwriting and durable capacity for senior-care portfolios.
The Hanover Insurance Group – Healthcare & Senior-Care Solutions – United States