Liability insurance for long-term care facilities
We are a managing general agency for long-term care liability. We underwrite each building on its own operating data, not a class average, and flag what needs attention before it becomes a claim.
Full limits on assault, abuse, and elopement.
Defense costs outside the limit of liability.
Underwritten on 90 days of your own data.
01Class-average pricing can’t see your building.
Most long-term care liability is priced off state and facility-type averages. It is re-rated once a year.
A well-run building gets no credit for it. And the coverage that matters most is capped, right when a claim turns serious.
Where the market caps you
Typical market termsOne serious claim can burn the whole sublimit on legal fees. Nothing is left for the injured party.
02Two signals already inside your building.
We don’t ask operators to install anything new.
At submission, our underwriting reads 90 days of your facility’s own operating data, not a class average.
Documentation signal
What your team already records day to day, as part of normal operations.
Activity signal
What actually happens in the building, day to day.
We combine both into a single facility-level risk profile before we quote.
Once the policy is bound, we keep watching. Your team gets early-warning alerts, so problems are caught before they become incidents, and the same review informs your renewal.
03What a building’s own data actually shows.
A class average sees a facility type. Facility-level review sees the facility.
That includes things that never make it into a formal report, and patterns that only show up when you look at ninety days at once, not one point in time.
Two identical facilities on paper can carry very different risk once you look at how each one actually runs day to day. That difference is invisible to class pricing. It is the first thing we look at.
04Once bound, we keep watching.
We keep reviewing the same operating data we underwrote on.
When something needs attention — a slow response, a missed follow-up, a pattern drifting the wrong way — your team hears about it before it becomes a claim, not after.
This ongoing review does not change your price or terms mid-term. It is used for early warning, and it feeds your renewal.
05General liability and professional liability for long-term care.
Built for skilled nursing, assisted living, memory care, and continuing care. Full limits where the rest of the market cuts you off.
- Skilled nursing facilities
- Assisted living communities
- Memory care units
- Continuing care retirement communities
Program limits
Illustrative targetsLimits shown are illustrative program targets for planning purposes. Final terms, limits, and pricing are subject to underwriting review and confirmation of carrier capacity, which is not yet bound.
We focus on independent operators and small to mid-size regional chains. They are the most exposed to class-average pricing, and the least served by carriers built for national groups.
A dual-line program built for a segment brokers struggle to place.
Most markets here write general liability only. They price every account in a class the same. And they offer nothing to help a facility avoid a claim. Quattro is built differently on all three counts.
- 01Early-warning alerts, not just a policy.Once bound, we monitor the same signals we underwrote on. Your client hears about issues before they become incidents.
- 02Broader coverage than the rest of the market.Full limits on assault and battery, sexual abuse and molestation, and wandering and elopement. Defense costs sit outside the limit.
- 03Granular, facility-level underwriting.Ninety days of real facility data, plus the application. Not one price for a whole class.
- 04Combined GL and PL under one program.Your client isn’t stacking policies from two markets to cover one facility.
- 05A single point of contact.Through binding and into claims. No chasing answers across teams.
What we’re looking for.
Retail and wholesale brokers with active long-term care and senior living books. That includes well-run operators who want broader coverage, proactive risk alerts, and a comprehensive risk management solution.
- 01Skilled nursing, assisted living, memory care, and CCRC accounts of any size
- 02Independent and regional operators, including those growing or adding locations
- 03Renewals where full A&B and SAM limits, or an ongoing risk alert program, would be a meaningful upgrade
- 04Accounts currently capped by low A&B or SAM sublimits, or declined or non-renewed for prior loss history
Get in Touch
Operators, reach out directly for a conversation about coverage. Brokers, use this to request an appointment.