Insurance for Healthcare Facilities

Healthcare facilities operate in environments where clinical care, day-to-day operations, and building safety intersect, and those factors shape the insurance needs of each organization. 

At Mason-McBride, we understand that U.S. Leaders in these settings often seek clarity on how various policies apply to resident care exposures, staffing structures, medication administration, and facility-based risks.

Types of Healthcare Facilities That Commonly Seek Insurance

Many types of healthcare organizations evaluate industry-specific insurance structures, including:

• Assisted Living Facilities (ALF)
• Skilled Nursing Facilities (SNF)
• Hospice organizations (facility-based and in-home models)
• Home Health and Home Care Agencies
• Long-Term Care Facilities (LTC)
• Other licensed and non-licensed care environments

Coverages Commonly Considered by Healthcare Facilities

Healthcare facilities often consider layered insurance programs designed to address different categories of risk. Common coverage structures include:

• Professional Liability Insurance: Professional liability coverage is designed to address exposures related to resident care, medication administration, clinical documentation, and care-planning activities. It may help respond to allegations involving care decisions, response times, or adherence to established procedures.
• General Liability Insurance: General liability coverage is intended to help protect against certain third-party claims involving visitor incidents, slip-and-fall events, or other premises-related exposures in common areas, parking lots, dining spaces, and outdoor environments.
• Workers Compensation Insurance: Workers’ compensation coverage is designed to provide benefits to employees who experience work-related injuries or illnesses, including those related to lifting, repositioning, or overnight staffing duties, in accordance with state requirements.
• Cyber Liability Insurance: Cyber liability insurance is intended to help address exposures involving electronic health records, care-management platforms, vendor access, and other data-security concerns common in healthcare environments.
• Business Property Insurance: Property insurance is designed to help protect buildings, equipment, and operational systems such as HVAC units, generators, call systems, kitchen equipment, and medical devices.
• Employment Practices Liability Insurance: EPLI is designed to help respond to certain employment-related allegations such as hiring practices, discipline, wage issues, and scheduling concerns. Due to high turnover and complex staffing structures, healthcare organizations often encounter unique employment-related risks.

Why Work With Mason-McBride?

At Mason-McBride, we focus on helping healthcare organizations evaluate insurance structures based on their operational realities.

• Healthcare-Focused Experience – We work with organizations across a range of healthcare environments and understand the operational factors that influence risk.

• Multi-State Coordination – For organizations operating across multiple states, we assist in aligning insurance programs with varying state requirements for licensing, staffing, and care standards.

Ready for a Risk Review?

If your organization would like to explore coverage structures based on your operational model, you can submit a request for more information below.