Great American – Long-Term-Care Facility Liability Partner Supporting North Carolina Senior-Care Facilities
Helping North Carolina Senior-Care Ecosystems Through Non-Admitted Long-Term-Care Facility Liability Solutions
Great American Insurance Group, headquartered in Cincinnati, operates multiple specialty insurance operations. Its Great American Risk Solutions (GARS) Long-Term Care (non-admitted) product targets senior-care facilities including skilled-nursing, assisted-living, dementia/memory-care, independent-living, life-plan communities (CCRCs), and continuing-care facilities. The LTC product is a non-admitted excess and surplus solution offering professional- and general-liability coverage and excess limits up to 10 million dollars, supported or unsupported. Great American is not a retail LTC life carrier; it is a specialty P&C carrier focused here on LTC facility liability.
Who Is Great American in Long-Term-Care Facility Risk?
The GARS Long-Term Care product serves a wide range of facility types: SNFs, ALFs, dementia/memory-care facilities, ILFs, life-plan communities, and continuing-care retirement communities. It offers non-admitted coverage with flexible limits, including high excess layers up to 10M, and is supported by a healthcare-focused underwriting team. Submissions and claims for this product are coordinated through dedicated GARS healthcare addresses (e.g., GARSHealthcareSubmissions@gaig.com and GARSclaims@gaig.com), highlighting a specialized workflow.
In North Carolina, senior-care facilities that fit E&S profiles or need higher limits may access Great American’s LTC product via brokers.
Why North Carolina Senior-Care Ecosystems Need Great American
North Carolina senior-care ecosystems may rely on Great American when:
- SNFs, ALFs, memory-care, and CCRCs need non-admitted LTC liability solutions and higher excess limits.
- Healthcare underwriters and claims teams require detailed, multi-year risk data.
- Facilities need a partner comfortable with complex LTC exposures.
That makes structured clinical and operational documentation essential for Great American-insured NC facilities.
Case Study: Great American LTC (Non-Admitted) Coverage for a North Carolina Multi-Site Senior-Care Operator
A North Carolina-based senior-care operator runs SNFs, ALFs, and memory-care facilities and, due to prior loss experience and coverage needs, places PL/GL and excess coverage through Great American’s GARS Long-Term Care (non-admitted) product. Over time, the NC facilities experience high-severity falls, pressure injuries, and allegations of abuse and neglect. Great American asks for:
- Loss runs and claim details by facility, level of care, and allegation type.
- Clinical documentation (assessments, care-plans, progress notes) for major claims.
- QI projects, staffing levels, and training documentation for high-risk units.
The operator’s NC data is spread across multiple EHRs and spreadsheets, making it difficult to present a unified risk narrative.
The operator implements Caring Data across its North Carolina facilities, capturing incidents, functional and clinical changes, staffing and training metrics, and QI projects in one structured dataset. Great American’s underwriters and claims professionals use Caring Data summaries to understand NC risk drivers and improvement trends, informing pricing and risk-management requirements for the LTC portfolio.
How Caring Data Complements Great American
Caring Data helps North Carolina LTC facilities present their risk clearly to Great American. For NC ecosystems, Caring Data:
- Links incidents and outcomes with acuity, staffing, and QI projects across facilities.
- Simplifies preparing submissions, excess-layer analyses, and claim packets for the GARS LTC product.
- Improves transparency for boards, regulators, and Great American around risk and improvement trajectories.
Explore Caring Data:
Book a Demo:
https://calendly.com/saile/60min
Testimonial
“Because our North Carolina senior-care organization relies on Great American’s Long-Term Care (non-admitted) product, the way we document incidents and improvements directly affects our coverage and pricing. Caring Data has helped us centralize incident, ADL, and staffing information, which Great American now uses when reviewing our North Carolina portfolio. I would recommend this combination to any NC senior-care operator working with Great American.”
— Chief Risk Officer, Senior-Care Operator, North Carolina
Key Contact
Great American Insurance Group – Long-Term Care (Non-Admitted)
LTC product: GARS Long-Term Care (non-admitted) – PL/GL for SNFs, ALFs, memory-care, ILFs, life-plan communities, CCRCs, and continuing-care facilities.
Limits: Excess limits up to 10M, supported and unsupported, with non-admitted flexibility.
Submissions & claims: GARSHealthcareSubmissions@gaig.com; GARSclaims@gaig.com; loss-run and account-information contacts via GAIG materials.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Final Thoughts
North Carolina senior-care ecosystems benefit when LTC-facility liability programs like Great American’s non-admitted product support complex facilities with higher limits and tailored coverage. Caring Data provides the documentation foundation that keeps those specialty programs aligned with real-world performance.
Hanover Insurance Group – North Carolina