Great American Insurance Group – Specialty Human-Services and Long-Term-Care Partner Supporting Senior-Care Ecosystems
Supporting Senior-Care Ecosystems Through Specialty Human-Services and Long-Term Care Risk 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 has provided coverage for social-service organizations since 1980, while Great American Risk Solutions offers non-admitted long-term care products for senior-care facilities and related operations. Together, these offerings position Great American as a flexible partner for community-based aging services and facility-based senior care.
Who Is Great American in Healthcare and Senior-Care Risk?
Great American’s Specialty Human Services business insures social-service organizations, including nonprofits that support vulnerable populations through services like counseling, day programs, residential care, and more. It can provide a full range of property and casualty coverages, including abuse or molestation, high umbrella limits, and customized risk-management support for human-services organizations. Its long-term care offerings (via Great American Risk Solutions) extend into non-admitted long-term care liability for senior-care facilities, including assisted-living and similar operations.
For senior-care ecosystems, this means Great American can support both community-based aging-services providers and facility-based long-term care operations, either directly or via program partners, under a specialty-insurance approach.
Why Senior-Care Ecosystems Need Great American
Senior-care ecosystems rely on Great American when:
- Human- and social-service organizations serving seniors need specialized property and casualty coverage informed by decades of social-services experience.
- Long-term care and senior-care facilities require tailored, non-admitted liability solutions for complex risk profiles.
- Brokers seek a specialty carrier that understands both community-based social services and facility-based senior-care exposures.
Standardized incident, claims, and exposure data—covering client incidents in community programs and resident events in facilities—help Great American evaluate risk, refine coverage terms, and direct risk-management resources.
Case Study
A nonprofit network operates senior day programs, caregiver-support services, and a small assisted-living campus. The community-based programs are insured through Great American’s Specialty Human Services division, while the assisted-living facility is placed with its long-term care (non-admitted) product. Great American and the broker request five years of detailed incident histories, loss runs, and exposure metrics segmented by program and facility type.
The organization deploys Caring Data to standardize incident reporting across community programs and the assisted-living campus, capturing resident falls, medication errors, transportation incidents, and adult-day events with consistent categories. De-identified aggregate data is shared with Great American. Underwriters use these structured datasets to align pricing with exposure, adjust limits and deductibles, and identify risk-management opportunities that span both community- and facility-based services. The organization gains a portfolio-wide view of risk that informs 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 property and casualty solutions for human-services organizations and non-admitted long-term care liability coverage for senior-care facilities.
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 in a single specialty platform. Caring Data strengthens this bridge by providing standardized incident and exposure information that supports nuanced underwriting and coordinated risk-management across community and residential senior-care services.