Great American – Long-Term-Care Facilities Liability Partner for Louisiana Senior-Care Providers

Helping Louisiana Long-Term-Care and Senior-Living Facilities Access Non-Admitted LTC Liability Coverage

Great American Insurance Group offers a long-term-care (non-admitted) program providing liability coverage for skilled nursing facilities (SNFs), assisted-living facilities (ALFs), dementia/memory-care facilities, independent-living facilities (ILFs), and life-plan communities. This program includes general liability, professional liability, employee-benefits liability, medical payments, and hired/non-owned auto coverage, with excess limits available. For Louisiana senior-care ecosystems, Great American acts as a specialty LTC-liability carrier, particularly in non-admitted markets.

Who Is Great American Insurance Group?

Great American Insurance Group provides specialty and P&C products, including Great American Risk Solutions’ long-term-care program. Its LTC (non-admitted) product targets SNFs, ALFs, memory-care facilities, ILFs, and life-plan communities with bundled liability coverage and optional excess limits. Great American has also expanded its healthcare presence by acquiring Radion Health, a managing general underwriter specializing in healthcare coverage for small and midsize businesses.

Why Louisiana Senior-Care Facilities Need Great American

Louisiana organizations may interact with Great American when:

• They operate skilled-nursing, assisted-living, memory-care, independent-living, or life-plan communities needing non-admitted LTC-liability coverage.
• Their brokers place LTC facilities into Great American’s long-term-care program for general and professional liability.
• They require excess limits or specialized structures that Great American’s program offers.

Because LTC markets can be constrained, Great American’s LTC (non-admitted) program is a key capacity option for Louisiana facilities.

What Sets Great American Apart

Great American’s long-term-care program emphasizes:

• General liability coverages with limits such as 1 million/3 million, including medical payments, plus professional liability with similar limits.
• Employee-benefits liability, hired/non-owned auto liability, and excess limits up to 10 million dollars (supported or unsupported).
• Deductibles starting at 5,000 dollars and self-insured retentions starting at 50,000 dollars, offered as indemnity and expense or indemnity only.

For Louisiana senior-care ecosystems, this means Great American can structure LTC-liability programs that align with facility-level retention and excess-limit needs.

Coverage and Claims Relevance for Louisiana Organizations

Through its LTC program, Great American:

• Provides general liability, professional liability, employee-benefits liability, and medical payments coverage for LTC facilities.
• Offers hired/non-owned auto liability and optional excess limits up to 10 million dollars.
• Works with brokers and LTC specialists to design and manage program placements.

Louisiana organizations typically encounter Great American via LTC program submissions and broker proposals.

Industry Insight: The Real Cost of Staff Burden in Non-Admitted LTC Programs

When Louisiana LTC facilities participate in Great American’s non-admitted program, documentation about incidents, staffing, and corrective actions is critical for underwriting and claims. Inadequate documentation forces brokers and Great American underwriters to request additional information repeatedly, increasing staff workload and slowing placement and claim resolution. High-quality documentation supports more accurate risk assessment and helps maintain capacity and favorable terms.

Case Story: When Documentation Gaps Affect Great American–Backed LTC Programs in Louisiana

A Louisiana LTC provider with SNFs and ALFs joins Great American’s LTC (non-admitted) program. After several professional- and general-liability claims, incident reports and corrective-action records are inconsistent, causing underwriters and claims teams to request repeated clarifications. Once the provider implements structured documentation and centralized incident tracking, brokers can present clearer analytics and narratives to Great American, supporting more predictable pricing and capacity decisions.

How Caring Data Complements Great American–Connected Programs

Caring Data helps Louisiana LTC facilities centralize clinical, incident, and corrective-action data, making it easier to produce the documentation that Great American’s LTC program requires. By improving documentation quality and accessibility, Caring Data reduces staff burden and strengthens the information base that supports non-admitted LTC programs.

Explore Caring Data: https://caringdata.com/

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Testimonial

“Because our LTC liability program is placed with Great American, our documentation must support underwriting and claims across general and professional liability. Caring Data has helped us keep our records consistent and accessible, which our brokers say is critical. I would recommend this combination to any Louisiana LTC facility using non-admitted programs.”

— Executive Director, Long-Term-Care Network, Louisiana

Get in Touch with Great American Insurance Group

Website:
Great American Risk Solutions – Long-Term Care (non-admitted): https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/long-term-care

Key Contacts:
Long-term-care contact roles such as divisional assistant vice president (e.g., LTC leadership with listed phone and email) coordinate LTC submissions and program inquiries. Great American Insurance Group corporate headquarters are at 301 East Fourth Street, Cincinnati, OH 45202, with primary contact numbers for specialty divisions.

Final Thoughts

Louisiana LTC and senior-living facilities that participate in Great American’s non-admitted LTC program benefit from a specialty carrier offering bundled liability and excess-limit options. Caring Data provides the facility-level documentation that helps those programs operate efficiently and supports more predictable underwriting and claims outcomes.

Hanover Insurance Group – Louisiana