Great American – Long-Term-Care and Allied-Health Liability Partner Behind Senior-Care Programs Serving Minnesota

Helping Minnesota Senior-Care Ecosystems Through Non-Admitted Long-Term-Care and Allied-Health Professional-Liability Solutions

Great American Risk Solutions, a division of Great American Insurance Group, provides industry-leading non-admitted property and casualty products on an excess-and-surplus basis, including long-term-care and allied-health professional-liability solutions. For Minnesota senior-care ecosystems, Great American operates behind the scenes as a specialty carrier backing long-term-care facilities and allied-health risks through non-admitted programs accessed via wholesale brokers.

Who Is Great American in Long-Term-Care and Allied-Health Liability?

Great American’s Long-Term-Care (non-admitted) product provides general-liability and professional-liability coverage for long-term-care facilities, including coverages such as GL, medical payments, professional-liability, employee-benefits-liability, HNOA, and excess limits up to 10 million dollars. Great American’s Allied Health (non-admitted) product offers professional and casualty solutions for allied-health providers, with its professional-liability team serving as the exclusive provider for these offerings.

In Minnesota, Great American is most relevant where long-term-care facilities and allied-health providers obtain E&S coverage through wholesale brokers using Great American Risk Solutions’ LTC and allied-health products.

Why Minnesota Senior-Care Ecosystems Need Great American

Minnesota senior-care ecosystems may rely on Great American when:

• Long-term-care facilities place non-admitted GL and professional-liability coverage with Great American’s LTC product.
• Allied-health providers serving senior-care populations are insured through Great American’s allied-health professional-liability programs.
• Brokers need flexible E&S capacity to address unique or higher-risk senior-care and allied-health accounts.

Because Great American’s LTC and allied-health programs are sensitive to loss experience, documentation quality at Minnesota facilities has a direct impact on pricing, terms, and capacity allocation.

What Sets Great American Apart

Great American emphasizes:

• A dedicated non-admitted Long-Term-Care product with integrated GL, professional-liability, and related coverages for LTC facilities.
• Allied-health professional-liability and casualty solutions delivered by a specialized professional-liability team.
• E&S distribution via wholesale brokers, allowing for customized solutions and excess capacity in complex senior-care portfolios.

For Minnesota senior-care ecosystems, this means Great American’s participation influences which LTC and allied-health risks can be placed on a non-admitted basis and on what terms.

Coverage and Claims Relevance for Minnesota Organizations

Through its LTC and allied-health offerings, Great American:

• Provides GL and professional-liability coverage for Minnesota long-term-care facilities and allied-health providers.
• Uses aggregated incident and claim data to refine underwriting guidelines, deductibles, and pricing.
• Relies on precise facility-level documentation to evaluate submissions, manage claims, and monitor portfolio performance.

Minnesota organizations experience Great American’s influence through availability and structure of E&S programs for LTC and allied-health risks.

Industry Insight: The Real Cost of Staff Burden in Great American-Linked LTC Portfolios

When Great American supports long-term-care and allied-health portfolios, inconsistent or incomplete documentation at Minnesota facilities can turn an otherwise manageable risk into a perceived problem account. This drives higher deductibles, tighter terms, or reduced capacity. High-quality documentation—timely incident reporting, root-cause tracking, and clear corrective-action records—supports more stable, sustainable E&S partnerships.

Case Story: When Documentation Gaps Affect a Great American-Insured Senior-Care Portfolio Including Minnesota Facilities

A wholesale broker places a multistate long-term-care portfolio, including Minnesota facilities, into Great American’s non-admitted LTC program. During a renewal review, Great American requests detailed incident and loss information—broken down by cause, resident type, and severity—along with evidence of corrective actions. Because documentation from the Minnesota facilities is fragmented and inconsistent, the broker cannot present a clear risk-improvement story, leading Great American to increase deductibles and tighten terms for the Minnesota segment.

After the facilities implement structured documentation and centralized data tools (with Minnesota locations choosing Caring Data for incident-level capture and corrective-action tracking), subsequent submissions show clearer trends and mitigation steps. This supports more nuanced underwriting decisions and helps stabilize capacity and pricing for the Minnesota LTC portfolio.

How Caring Data Complements Great American-Linked Programs

Caring Data helps Minnesota senior-care providers generate the high-quality incident, clinical, and corrective-action data that Great American’s LTC and allied-health teams need to manage E&S portfolios effectively. By improving documentation quality and accessibility at the facility level, Caring Data reduces staff burden and strengthens the analytical foundation behind Great American’s capacity and pricing decisions.

Explore Caring Data:

https://caringdata.com/

Book a Demo:

https://calendly.com/saile/60min

Testimonial

“Because our long-term-care and allied-health liability coverage is placed through specialty programs with carriers like Great American, the quality of our documentation and analytics directly influences our pricing and terms. Caring Data has helped us centralize and elevate our incident and corrective-action data, which our carrier partners recognize as a key advantage. I would recommend this combination to any Minnesota senior-care provider working with E&S markets.”

— Executive Director, Senior-Care System, Minnesota

Get in Touch with Great American Insurance Group

Website:
Great American Insurance Group: https://www.greatamericaninsurancegroup.com/

Address (per your listing):
301 East Fourth Street, Cincinnati, OH 45202

Key Contacts (per your listing and references):

Main contacts (per Great American Risk Solutions LTC materials):

• Healthcare submissions: GARSHealthcareSubmissions@gaig.com
• Claims reporting: GARSclaims@gaig.com
• Office / toll-free phones (per your listing): 513-287-8155; 800-254-5482

Contact example:
Keith Hammersmith, JD, CPCU, AIC-M, ARM, ASLI, AIDA – khammersmith@gaig.com

Final Thoughts

Minnesota senior-care ecosystems benefit from specialty carriers like Great American that offer non-admitted long-term-care and allied-health liability solutions. Caring Data supplies the high-quality facility-level data that keeps these E&S structures sustainable by reducing staff burden and strengthening the analytics Great American relies on for capacity and pricing decisions.

Hanover Insurance Group – Minnesota