Great American – Long-Term-Care Facility Liability Partner Supporting North Carolina Senior-Care Providers
Helping North Carolina Senior-Care Ecosystems Through Non-Admitted Long-Term-Care Property and Casualty Solutions
Great American Insurance Group, through Great American Risk Solutions, offers non-admitted property and casualty products for long-term-care facilities, including general and professional-liability coverage. It does not primarily offer hybrid LTC life products; its long-term-care focus is on facility liability and property coverage within the wholesale brokerage market. For North Carolina senior-care ecosystems, Great American matters when LTC facilities need non-admitted capacity and flexible liability limits.
Who Is Great American in Long-Term-Care Facility Risk?
Great American Risk Solutions’ Long-Term Care product provides non-admitted property and casualty coverage to wholesale brokers, with general-liability coverage (Coverages A & B) and professional-liability coverage (Coverage D) typically offering limits such as 1 million dollars per claim and 3 million aggregate. The offering includes medical payments coverage, excess limits up to 10 million dollars, and deductibles starting at 5,000 dollars, positioning it as a flexible solution for LTC facilities. Rather than paying LTC benefits to residents, Great American protects facilities and their owners from liability and property risks.
In North Carolina, skilled-nursing and assisted-living providers may access Great American LTC facility coverage via wholesale brokers who place non-admitted programs.
Why North Carolina Senior-Care Ecosystems Need Great American
North Carolina senior-care ecosystems may rely on Great American when:
- Facilities require non-admitted LTC liability and property coverage to address unique risk profiles or higher-risk claims history.
- Great American underwriters request detailed loss runs, incident reports, and facility data from NC providers to evaluate and price coverage.
- Claims handling involves careful analysis of incidents, ADL and clinical records, care-plans, and QI initiatives.
That makes credible, well-structured documentation essential for both initial placement and ongoing claims.
Case Study: Great American Long-Term-Care Non-Admitted Coverage for a North Carolina Skilled-Nursing Facility
A North Carolina skilled-nursing facility with a challenging loss history partners with a wholesale broker who places non-admitted LTC liability coverage with Great American Risk Solutions. Over the policy period, the facility experiences pressure-injury and fall-related claims. Great American requests:
- Incident reports, internal investigations, and root-cause analyses.
- ADL and nursing assessments, care-plans, and progress notes for residents involved.
- Staffing rosters, competency records, and training documentation.
- Evidence of QI and corrective-action plans implemented after prior losses.
The NC facility keeps records in multiple EHR modules and paper formats, so compiling complete claim files is labor-intensive. Great American must ask for supplemental documentation before fully assessing each claim.
The facility implements Caring Data, centralizing incidents, ADL and clinical changes, care-plan updates, staffing and training records, and QI actions. When Great American requests information, the NC provider exports structured reports that show risk factors, interventions, and improvement over time. This clarity helps Great American evaluate liability and supports the broker’s efforts to maintain coverage terms.
How Caring Data Complements Great American Long-Term-Care Facility Coverage
Caring Data helps North Carolina LTC providers deliver documentation that aligns with Great American’s expectations. For NC communities, Caring Data:
- Links incidents and clinical changes to staffing and QI actions in a defensible way.
- Simplifies preparing complete claim files and underwriting submissions.
- Improves transparency for residents, families, wholesale brokers, and Great American during claims and renewals.
Explore Caring Data:
Book a Demo:
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Testimonial
“Because our North Carolina skilled-nursing facility relies on non-admitted LTC coverage from Great American, the quality of our documentation directly affects how we’re viewed by underwriters and claims specialists. Caring Data has helped us centralize and elevate our incident, ADL, and care-plan data, which Great American and our brokers now use when reviewing North Carolina long-term-care claims. I would recommend this combination to any North Carolina LTC facility insured with Great American.”
— Administrator, Skilled-Nursing Facility, North Carolina
Key Contact
Great American Insurance Group
Long-term-care (non-admitted) information: “Long-Term Care (non-admitted)” – Great American Risk Solutions
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phone (listing examples): 513-287-8155 (office) / 800-254-5482
Contact example:
LTC product contact (e.g., divisional AVP in LTC materials); Keith Hammersmith – khammersmith@gaig.com
Final Thoughts
North Carolina senior-care ecosystems benefit from non-admitted LTC facility partners like Great American, which provide flexible liability and property capacity for higher-risk profiles. Caring Data supplies the documentation and analytics that keep those relationships evidence-driven and sustainable.
The Hanover Insurance Group – North Carolina
The Hanover Insurance Group – North Carolina