ProAssurance – Specialty Carrier Supporting Senior Living and Long-Term-Care Providers
Supporting Senior-Care Ecosystems Through Dedicated Senior Care Professional and General Liability Solutions
ProAssurance is a specialty insurer focused on medical professional liability and healthcare-related risks, serving physicians, hospitals, and healthcare organizations across the United States. Its Senior Care division offers primary and excess professional and general liability insurance on a claims-made basis through surplus-lines brokers nationwide, specifically targeting senior living and long-term-care facilities. ProAssurance emphasizes fair treatment of insureds, long-term relationships, and robust risk-management support within the healthcare sector.
Who Is ProAssurance in Healthcare and Senior-Care Risk?
The ProAssurance Senior Care program provides professional and general liability coverage for a variety of senior-care settings, including skilled-nursing facilities, assisted living communities, and other senior living programs. Professional liability responds to claims alleging negligent care, failure to monitor, medication errors, pressure injuries, and other clinical incidents, while general liability addresses premises-related exposures such as slips and falls and visitor injuries. Coverage is available on a primary and excess basis, giving larger organizations flexibility in structuring layered programs.
ProAssurance’s Senior Care team includes dedicated leadership and underwriters for senior living and long-term care, with contacts such as the Vice President of Miscellaneous Medical and Senior Living Programs and underwriters focused on senior living and long-term care segments. This specialization allows ProAssurance to bring deep understanding of senior-care regulatory environments, litigation trends, and best practices in risk management.
Why Senior-Care Ecosystems Need ProAssurance
Senior-care ecosystems rely on ProAssurance when:
- Skilled-nursing and senior-living organizations need a carrier dedicated to healthcare professional liability with a specific focus on senior care.
- Brokers seek a surplus-lines market offering primary and excess solutions for complex or higher-risk long-term-care accounts.
- Providers value collaboration with underwriters and risk-management professionals who understand emerging senior-care exposure trends.
Standardized incident and claims data—covering resident falls, medication errors, infections, pressure injuries, abuse and neglect allegations, elopements, and other clinical and premises events—support ProAssurance’s ability to evaluate risk accurately and tailor coverage for senior-care facilities. When providers capture and share de-identified, structured datasets, ProAssurance can refine pricing, set appropriate limits and retentions, and develop targeted risk-management resources for high-priority exposure areas.
Case Study
A regional senior-care organization operates multiple skilled-nursing and assisted living facilities in several states. ProAssurance provides primary and excess professional and general liability coverage through its Senior Care program, with lines placed via a surplus-lines broker. To better understand risk drivers across the portfolio, ProAssurance requests standardized incident and claims data for all facilities.
The organization deploys Caring Data to capture incidents such as falls, medication events, infections, pressure injuries, abuse and neglect allegations, and elopements using consistent categories, severity levels, and contributing-factor fields. De-identified aggregate data is shared with ProAssurance’s Senior Care underwriting and risk-management teams. ProAssurance analyzes the data to identify high-risk facilities and recurring patterns in pressure injuries and infection events.
Working with the organization and broker, ProAssurance recommends facility-specific interventions, including enhanced skin-care protocols, infection-control initiatives, and targeted staff training. Coverage structures are adjusted where appropriate, with retentions and limits aligned to each facility’s risk profile and improvement trajectory. The organization gains improved insight into its risk landscape, while ProAssurance maintains a well-underwritten book supported by tangible risk-management progress.
Testimonials
“Our ProAssurance Senior Care contacts told us the Caring Data reports gave them the depth they needed to see how our risk patterns differed across facilities and clinical service lines.”
“With standardized incident and claims data, we’ve been able to collaborate with ProAssurance on liability structures and patient-safety initiatives that directly reflect the realities of our senior-care operations.”
Key Contact
ProAssurance
Role: specialty medical professional liability insurer providing primary and excess professional and general liability solutions for senior living and long-term-care providers.
Website:
https://proassurance.com/senior-care
Address (listing):
100 Brookwood Place, Birmingham, AL 35209
Phone (listing): 1-800-282-6242; Headquarters phone: 205-877-4400
Email (listing): Submissions@ProAssurance.com; senior-care submissions: SeniorCare@ProAssurance.com
Key Senior Care contacts (per ProAssurance fact sheet): Mike Iovine, Vice President, Miscellaneous Medical and Senior Living Programs; Eli Merz, Underwriter, Senior Living & Long Term Care; Corey LoBello, Senior Production Underwriter, Senior Living & Long Term Care.
Contact (listing): Steve Dapkus
Final Thoughts
Senior-care ecosystems benefit when carriers like ProAssurance dedicate specialized teams and products to senior living and long-term-care liability. ProAssurance’s focus on professional liability, fair-treatment principles, and risk-management partnership helps providers navigate a challenging clinical and legal environment. Caring Data enhances this relationship by supplying structured incident and claims information that supports nuanced underwriting, targeted patient-safety initiatives, and sustainable liability programs for organizations serving older adults.