Healthcare facilities operate in environments where clinical care, workforce management, regulatory oversight, and building safety intersect. These overlapping responsibilities shape the way insurance programs must be structured.
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.
Industry-Specific Insurance Structures
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
Coverage Considerations
Healthcare facilities typically review layered insurance programs designed to address multiple categories of exposure.
- Professional Liability is evaluated in relation to clinical services, resident care decisions, medication administration, documentation standards, and adherence to established procedures.
- General Liability coverage is considered for premises-related exposures involving visitors, common areas, parking facilities, and other non-clinical interactions.
- Workers Compensation coverage remains foundational due to the physical demands of care delivery and state-specific statutory requirements.
- Cyber Liability has become increasingly relevant as organizations rely on electronic health records, care-management platforms, and vendor-integrated systems.
- Property Insurance considerations extend beyond buildings to include life-safety systems, generators, HVAC infrastructure, kitchen operations, and medical equipment essential to continuity of care.
- Employment Practices Liability coverage is also frequently reviewed given staffing complexity, turnover, and supervisory responsibilities within healthcare environments.
Coverage structures vary based on operational model, state requirements, and risk tolerance.
Why Mason-McBride?
At Mason-McBride, we focus on helping healthcare organizations evaluate insurance structures based on their operational realities.
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Healthcare-Focused Experience – We work with organizations across a range of healthcare environments and understand the operational factors that influence risk.
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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?
Organizations seeking to review how their current insurance structure aligns with their operational model may request a risk review.
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