Great American – Specialty Carrier Supporting Long-Term-Care and Senior-Living Providers Across States
Supporting Multi-State Senior-Care Ecosystems Through Dedicated LTC and Healthcare-Industry Solutions
Great American Insurance Group is a specialty insurer based in Cincinnati that offers niche commercial products, including long-term-care and healthcare-industry insurance solutions through Great American Risk Solutions. Its Long-Term Care (non-admitted) product focuses on skilled-nursing, assisted-living, memory-care, independent-living, and life-plan/CCRC communities, and its broader healthcare-industry coverages protect employees, patients, property, equipment, and data. These offerings serve senior-care providers across the U.S., including multi-state operators.
Who is Great American for Multi-State Senior-Care Ecosystems?
Great American Risk Solutions’ Long-Term Care product is delivered through wholesale brokers and targets LTC facility classes such as skilled-nursing, assisted-living, memory-care, independent-living, and life-plan/CCRC communities. Appetite and program design focus on property and casualty exposures, including resident-related liability and extensive property coverage.
The company also markets healthcare-industry coverage aimed at protecting staff, patients, property, data, and high-value equipment, making it a fit for healthcare providers that serve older adults beyond the LTC facility setting.
Why Multi-State Senior-Care Ecosystems Need Great American
Multi-state senior-care ecosystems rely on Great American when:
- They operate LTC and senior-living facilities in several states and want a specialty carrier that understands these classes.
- Wholesale brokers need an LTC-focused market capable of handling portfolios spanning different regulatory environments.
- Operators seek coverage aligned with both clinical and property risks across diverse facility types and geographies.
Standardized incident and claims data—covering falls, medication errors, infections, abuse/neglect allegations, elopements, property incidents, and catastrophic losses—help Great American understand risk patterns across its LTC portfolios. When multi-state senior-care operators use structured schemas (like Caring Data) and share de-identified, state-tagged aggregates through their brokers, Great American can refine rating, adjust retentions and limits, and provide targeted risk-management guidance for each state and facility type.
Case Study (Multi-State Focus)
A senior-living company operates skilled-nursing, assisted-living, memory-care, and independent-living communities in six states and works with a wholesale broker to place property and casualty coverage with Great American’s Long-Term Care product. Great American requests better data to understand which states and facility types drive losses.
The operator deploys Caring Data to document incidents across all communities—falls, medication-administration issues, infections, pressure injuries, abuse/neglect allegations, elopements, and property events—with standardized severity and root-cause tags. State-level and facility-type-level summaries are shared with Great American’s underwriting and risk-solutions teams. The structured data show that memory-care units in certain states have elevated elopement and fall rates, while properties in another state experience repeated weather-related losses. Great American works with the operator and broker to implement secure-environment and weather-resilience initiatives in those states and to structure coverage and deductibles that reflect the differing risk profiles.
Testimonials
“Our Great American contacts told us the multi-state Caring Data summaries helped them differentiate our risk by state and facility type instead of treating our portfolio as one big block.”
“With standardized incident and claims data, we’ve been able to work with Great American to tailor coverage and focus risk-management on the states and communities that truly drive our losses.”
Key Contact
Great American Insurance Group
Role: specialty insurer providing LTC-focused property and casualty products and broader healthcare-industry coverage for senior-living providers across multiple states.
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
Multi-state senior-care ecosystems benefit when specialty carriers like Great American Risk Solutions deliver LTC-focused coverage and healthcare-industry solutions grounded in the realities of senior-living operations across states. Caring Data helps Great American and senior-care operators align underwriting and risk-management with real, state-specific incident patterns across their portfolios.