Great American – Long-Term-Care (Non-Admitted) Program Partner Serving Montana Senior-Care Facilities
Helping Montana Senior-Care Ecosystems Through Long-Term-Care Facility Liability Solutions
Great American Risk Solutions, part of Great American Insurance Group, offers a non-admitted Long-Term-Care program targeting skilled-nursing facilities (SNF), assisted-living facilities (ALF), dementia/memory-care facilities, independent-living facilities (ILF), and life-plan communities. The program provides GL/PL coverage, hired/non-owned auto (HNOA) liability, and excess limits up to 10 million, with deductibles starting at 5,000. For Montana senior-care ecosystems, Great American’s LTC program is a significant option when facilities need specialized non-admitted liability coverage.
Who Is Great American in Long-Term-Care Facility Insurance?
Great American’s long-term-care offering focuses on senior-living and LTC facilities across the continuum of care, providing coverage structures that recognize the unique exposures of SNFs, ALFs, memory-care, ILFs, and life-plan communities. Program materials list target classes and emphasize that HNOA liability is endorsed and included within the GL limit, with excess options available to tailor total limits.
In Montana, LTC facilities can access these programs through submissions to Great American Risk Solutions’ healthcare team.
Why Montana Senior-Care Ecosystems Need Great American
Montana senior-care ecosystems may rely on Great American when:
- They need non-admitted LTC facility coverage with higher limits and flexible structures.
- They want a program specifically built for long-term-care, not just general commercial property-and-casualty.
Because the program is non-admitted and LTC-specific, underwriting focuses heavily on operations, loss history, and risk-management practices, making Montana facilities’ incident and corrective-action documentation crucial.
Case Study: When Great American Evaluates a Montana LTC Portfolio
A Montana operator with skilled-nursing and assisted-living locations approaches Great American Risk Solutions for LTC coverage. The Great American team requests:
- Loss runs, broken down by facility and level of care.
- Incident data and narratives for falls, pressure injuries, elopements, medication errors, and abuse/neglect allegations.
- Evidence of risk-management practices and quality-improvement efforts.
The operator can provide loss runs and some incident data, but reporting standards vary across Montana facilities. Great American offers coverage but with cautious deductibles and emphasizes the need for better, consistent data to refine future underwriting.
The operator then implements Caring Data across Montana facilities to standardize incident capture, root-cause analysis, and corrective-action tracking. At renewal, Great American receives:
- Consistent incident trend reports by location and exposure type.
- Documented interventions and training tied to specific patterns.
- Stronger evidence that Montana facilities are actively managing LTC risk.
How Caring Data Complements Great American’s LTC Program
Caring Data helps Montana LTC facilities produce the kind of detailed, consistent evidence Great American expects. For Montana operations, Caring Data:
- Simplifies assembling submission packages and renewal updates.
- Demonstrates improvement that can influence deductibles and excess-limit decisions.
- Supports ongoing dialogue with Great American’s underwriters and claims team.
Explore Caring Data:
Book a Demo:
https://calendly.com/saile/60min
Testimonial
“Because our Montana skilled-nursing and assisted-living facilities are insured through Great American’s long-term-care program, the quality of our documentation and analytics directly affects our coverage and pricing. Caring Data has helped us centralize and elevate our incident and corrective-action data, which Great American’s LTC underwriters now rely on for our Montana accounts. I would recommend this combination to any Montana senior-care operator working with Great American.”
— Executive Director, Long-Term-Care Group, Montana
Key Contact
Great American Insurance Group – Long-Term-Care
- Long-term-care (non-admitted) overview: Great American Risk Solutions LTC brochure.
Website:
https://www.greatamericaninsurancegroup.com/
- Address (your listing): 301 East Fourth Street, Cincinnati, OH 45202
- Phones (your listing): 513-287-8155; 800-254-5482
- Underwriting contact example (brochure): GARSHealthcareSubmissions@gaig.com
- Your listed contact: Keith Hammersmith – khammersmith@gaig.com
Final Thoughts
Montana senior-care ecosystems benefit from LTC-specific programs like Great American’s non-admitted long-term-care solutions. Caring Data supplies the high-quality documentation that makes these specialized programs workable.
Hanover Insurance Group – Montana