Resident care is the coverage that matters most.
Professional and general liability, abuse coverage, property and management liability for skilled nursing facilities, nursing homes and memory care.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A hard class that needs a specialist
Skilled nursing is one of the most difficult classes to insure. Claims involving falls, pressure injuries and alleged neglect can be severe, and California's elder abuse law can add exposure beyond ordinary negligence claims.
Specialty programs write professional and general liability together for facilities, with abuse coverage, property and D&O. I place facilities with markets dedicated to long-term care.
- Professional liabilityClaims about resident care.
- General liabilityVisitor injuries and premises claims.
- Abuse and molestationAllegations involving residents.
- PropertyBuilding, equipment and business income.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Facility: type, address and licensed beds.
- Occupancy: current census.
- Surveys: recent state survey results.
- Staffing: nursing staff and agency use.
- Revenue and payroll: annual figures.
- History: current policies and loss runs.
Nursing home insurance, answered
Why is skilled nursing insurance so expensive?
Claim severity is high and fewer carriers write the class. Survey results, staffing and risk management make a difference.
Is abuse coverage included?
Sometimes at a sublimit. Check it, since general liability often excludes abuse.
Do surveys affect my insurance?
Yes. Underwriters review recent state survey results and deficiencies.
Can you cover multiple facilities?
Yes. Multi-location operators can often be written on one program.
Do you offer nursing home and skilled nursing insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send the facility details. I'll shop it.
Beds, census and recent survey results are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.