Great American Insurance Group – Specialty Human Services and Senior-Care-Related Insurance Partner
Supporting Senior-Care Ecosystems Through Specialty Human Services and Long-Term Care Facility Solutions
Great American Insurance Group is a Cincinnati-based specialty property-and-casualty insurer with more than 30 specialty businesses, including divisions focused on human and social services and long-term care risks. Its Specialty Human Services division provides coverage for human and social service organizations, while Great American Risk Solutions offers long-term care (non-admitted) products for senior-care facilities and related operations. These offerings position Great American as a meaningful partner for senior-care ecosystems and community-based organizations serving older adults.
Who Is Great American in Healthcare and Senior-Care Risk?
Great American Specialty Human Services provides industry-leading coverage, expert knowledge, and responsive service for human and social service organizations, including nonprofits that support vulnerable populations. For long-term care, Great American Risk Solutions’ non-admitted Long-Term Care segment focuses on specialty care assisted-living facilities, intermediate care facilities, senior-care facilities, and secondary exposures such as home health. Together, these units address a spectrum of risks from community-based services to residential senior-care environments, integrating property and liability coverages with sector-specific expertise.
For senior-care ecosystems, Great American can act both as a specialty human-services carrier for community programs and as a long-term care facility insurer for residential operations, enabling coordinated risk solutions across the continuum of support for older adults.
Why Senior-Care Ecosystems Need Great American
Senior-care ecosystems rely on Great American Insurance Group when:
- Human- and social-service organizations that support seniors need specialized P&C coverage informed by decades of sector experience.
- Long-term care and senior-care facilities require tailored non-admitted solutions for professional, general liability, and related exposures.
- Brokers and programs need a flexible specialty carrier capable of creative program solutions for complex or emerging senior-care risks.
In these situations, standardized incident, claims, and exposure data—across both community services and facility-based care—are critical to support underwriting, program design, and risk-management support.
Case Study
A nonprofit organization operates senior day programs, community-based services for older adults, and a small assisted-living campus. The community programs are insured through Great American Specialty Human Services, while the assisted-living facility is placed with Great American Risk Solutions’ non-admitted long-term care offering. Great American and the broker ask for five years of detailed incident histories, loss runs, and exposure metrics (such as participant days and resident days) segmented by program and facility type.
The organization implements Caring Data to standardize incident reporting across all services—capturing resident falls, medication errors, transportation incidents, and community-program events using shared definitions. De-identified, aggregate datasets are shared with the Specialty Human Services and Long-Term Care teams. Great American uses this structured information to refine coverage terms, align pricing with exposure, and identify risk-management opportunities that span both community services and the assisted-living campus. The organization gains a clearer, portfolio-wide view of risk patterns that inform training and process improvements.
Testimonials
“Our Great American contacts told us the Caring Data reports helped them connect risk patterns across our community programs and assisted-living facility.”
“We now see how standardized incident and exposure data support more coordinated coverage and risk-management strategies with Great American Insurance Group.”
Key Contact
Great American Insurance Group
Role: specialty insurer providing human-services and long-term care facility solutions for organizations serving seniors and vulnerable populations.
Website:
https://www.greatamericaninsurancegroup.com/
Address (listing):
301 East Fourth Street, Cincinnati, OH 45202
Phones (listing): 513-287-8155 (office); 800-254-5482
Email (listing): khammersmith@gaig.com
Contact (listing): Keith Hammersmith, JD, CPCU, AIC-M, ARM, ASLI, AIDA
Final Thoughts
Senior-care ecosystems benefit when specialty carriers like Great American Insurance Group bridge human-services and long-term care facility risks under one specialty platform. Caring Data strengthens these partnerships by providing structured incident and exposure information that supports more nuanced underwriting, program design, and risk-management support across community and residential care.
Hanover Insurance Group – Specialty Insurance & Healthcare-Related Risks – United States