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 insurer headquartered in Cincinnati, Ohio, providing niche commercial products, including long-term-care and healthcare-industry insurance solutions. Its Great American Risk Solutions division offers a Long-Term Care (non-admitted) product for skilled-nursing, assisted-living, memory-care, independent-living, life-plan communities, and CCRCs, alongside broader healthcare-industry insurance protective of employees, patients, property, equipment, and data.
Who is Great American in Senior-Care Risk?
Great American’s Long-Term Care (non-admitted) product is part of Great American Risk Solutions, delivering property and casualty coverage to wholesale brokers serving long-term-care facilities. Appetite includes skilled-nursing facilities, assisted-living facilities, dementia/memory-care facilities, independent-living facilities, life-plan communities, and continuing-care retirement communities. The product is backed by experienced underwriting and claims teams with a focus on long-term-care risk.
The company’s healthcare-industry coverage protects skilled employees, patients, property, data, and high-value equipment, demonstrating broader healthcare engagement beyond long-term-care facilities.
Why Senior-Care Ecosystems Need Great American
Senior-care ecosystems rely on Great American when:
- Long-term-care and senior-living providers need non-admitted property and casualty solutions tailored to their complex risk profiles.
- Wholesale brokers seek an LTC-focused specialty carrier with strong underwriting and claims expertise.
- Providers want coverage aligned with clinical and operational risks across the continuum of senior living.
Standardized incident and claims data—covering resident falls, medication errors, infections, abuse/neglect allegations, elopements, property losses, and governance-level incidents—help Great American understand risk patterns across long-term-care portfolios. When facilities share de-identified, structured data with brokers and Great American, the carrier can refine rating, adjust retentions and limits, and focus risk-management recommendations on the highest-impact exposures.
Case Study
A multi-state senior-living organization operates skilled-nursing, assisted-living, memory-care, and independent-living communities and places professional/general liability and certain property lines with Great American’s Long-Term Care product via a wholesale broker. Great American requests standardized incident data to complement claims information.
The organization uses Caring Data to document falls, medication-administration issues, infections, pressure injuries, abuse/neglect allegations, elopements, and property incidents with standardized incident categories, severity levels, and contributing factors. De-identified aggregate data is shared with Great American’s underwriting and risk-management teams. The carrier uses the structured dataset to pinpoint high-risk facilities and incident types and collaborates with the operator and broker on targeted safety initiatives—such as fall-prevention programs, infection-control improvements, and environment-specific modifications—and adjusts coverage structures based on observed risk.
Testimonials
“Our Great American contacts told us the Caring Data reports gave them a detailed view of how our long-term-care risks differed by facility type and service line.”
“With standardized incident and claims data, we’ve been able to work with Great American and our broker to fine-tune coverage and direct risk-management resources to the incidents that matter most.”
Key Contact
Great American Insurance Group
Role: specialty insurer providing non-admitted long-term-care property and casualty products and broader healthcare-industry insurance for senior-living providers.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phones (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 Risk Solutions deliver long-term-care-focused coverage backed by deep underwriting and claims expertise. Caring Data elevates this partnership by providing structured incident and claims information that supports more precise underwriting and targeted risk-management across the full spectrum of senior-living communities.