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ProAssurance – Specialty Insurance & Healthcare-Related Risks – United States

ProAssurance – Senior Care and Miscellaneous Medical Liability Partner Supporting Senior-Care Facilities and Providers

Supporting Senior-Care Ecosystems Through Dedicated Senior-Care Professional and General Liability Programs

ProAssurance is a specialty insurer focused on healthcare professional liability, workers' compensation, and legal professional liability insurance, with dedicated programs for senior care and miscellaneous medical risks. The ProAssurance Senior Care team understands every aspect of medical and facility liability from underwriting to risk management to claims, offering tailor-made insurance solutions for senior-living and long-term care facilities. Coverage is written on a claims-made basis for professional liability, and on claims-made or occurrence basis for general liability, through surplus lines nationwide.

Who Is ProAssurance in Senior-Care and Healthcare Risk?

ProAssurance's Senior Care program provides primary and excess professional and general liability insurance for senior-living and long-term care facilities, including small-business coverage for smaller facilities offering lower-acuity services. The program includes defense for medical professionals, their facilities, and leaders in the event of medical malpractice or facility-liability claims. ProAssurance's dedicated Senior Care underwriting team reviews applications and works with brokers via the SeniorCare@ProAssurance.com submissions address. Since 1976, ProAssurance has served the healthcare community with quality professional liability insurance and risk services.

For senior-care ecosystems, ProAssurance functions as a core professional and general liability carrier for senior-living, assisted-living, memory-care, and long-term care facilities, with a claims-made focus and strong risk-management support.

Why Senior-Care Ecosystems Need ProAssurance

Senior-care ecosystems rely on ProAssurance when:

  • Senior-living and long-term care facilities need dedicated professional and general liability coverage tailored to their acuity, size, and services.
  • Providers value a carrier with deep healthcare liability expertise and a dedicated senior-care underwriting and claims team.
  • Brokers seek a stable, specialized market for senior-care liability with both primary and excess capacity.

Standardized incident and claims data—covering resident falls, pressure injuries, medication errors, abuse allegations, and facility events—help ProAssurance underwriters assess risk accurately, set pricing, and collaborate on risk-management priorities.

Case Study

A multi-site senior-living organization operates independent living, assisted living, and memory-care communities and seeks professional and general liability coverage through ProAssurance's Senior Care program. The broker submits applications via SeniorCare@ProAssurance.com, and ProAssurance requests detailed loss runs and incident data by facility and level of care.

The organization uses Caring Data to standardize incident reporting across all communities, capturing resident events, clinical incidents, behavioral issues, and facility-related exposures with consistent categories and severity levels. De-identified aggregate reports are shared with ProAssurance's underwriting team. ProAssurance uses these structured datasets to distinguish facilities by risk profile, tailor limits and deductibles, and recommend targeted risk-management initiatives such as fall-reduction programs, pressure-injury protocols, and behavioral-health training for memory-care staff. The organization gains clear visibility into which communities are performing well and where focused improvement is needed.

Testimonials

"Our ProAssurance contacts told us the Caring Data reports helped them understand facility-by-facility risk and structure our senior-care liability program accordingly."

"We now see how standardized incident and claims data support more precise senior-care professional and general liability coverage with ProAssurance."

Key Contact

ProAssurance

Role: specialty insurer providing dedicated senior-care professional and general liability programs, including primary and excess coverage for senior-living and long-term care facilities.

Website:
https://proassurance.com/senior-care

Address (listing):
100 Brookwood Place, Birmingham, AL 35209

Phones (listing): 1-800-282-6242; Headquarters: 205-877-4400

Emails (listing): Submissions@ProAssurance.com (general); SeniorCare@ProAssurance.com (Senior Care submissions)

Senior Care team contacts (per ProAssurance materials):

Final Thoughts

Senior-care ecosystems benefit when specialty carriers like ProAssurance deliver dedicated senior-care liability programs backed by deep healthcare-liability expertise and focused underwriting and claims teams. Caring Data strengthens these programs by providing standardized incident and claims information that supports accurate risk assessment, tailored coverage, and collaborative risk-management for senior-living and long-term care facilities.

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