Liability Insurance Built for Every Level of Long‑Term Care — From Independent Living to Skilled Nursing
Professional liability solutions for the full continuum of aging-services providers
Long‑term care organizations operate across a wide spectrum of resident needs, staffing models, and regulatory pressures — and each environment carries its own liability profile. ETHOS helps you understand your exposures and match the right insurance solution to your risk posture, care model, and operational realities.
Whether you operate a single community or a multi‑site continuum of care, we help you evaluate your risks and connect with carriers that specialize in your specific level of care.
Who We Help Cover in the Long‑Term Care Space
ETHOS works with the full continuum of aging‑services providers. If your organization delivers residential, supportive, or skilled care to older adults or medically complex populations, we can help you find the right liability coverage.
Independent Living / Retirement Communities
We assist communities focused on active, self‑sufficient residents who still face premises liability, vendor exposure, and event‑related risks.
Adult Day Health Care & Adult Day Centers
We support non‑residential programs that require protection for supervision, medication management, transportation, and participant safety.
Assisted Living Facilities (ALFs)
We help ALFs secure coverage aligned with their acuity mix, staffing model, medication support, and resident‑care responsibilities.
Board & Care Homes / Residential Care Facilities / Group Homes
We work with small, home‑like care settings that need liability solutions tailored to intimate environments and limited staffing.
Continuing Care Retirement Communities (CCRCs) / Life Plan Communities
We assist multi‑level campuses that require coordinated coverage across independent living, assisted living, and skilled nursing operations.
Memory Care Providers
We help memory care operators find coverage that accounts for elopement risk, behavioral management, secure environments, and specialized staffing.
Nursing Homes / Skilled Nursing Facilities (SNFs)
We support SNFs with liability solutions designed for 24/7 nursing care, medical oversight, rehabilitation services, and complex regulatory requirements.
Coverage Options We Help You Evaluate
- Professional liability for facility staff and contracted providers
- General liability for premises and operations
- Coverage for falls, pressure injuries, and neglect allegations
- Regulatory defense and survey‑related deficiency coverage
- Employment practices liability (EPLI)
- Abuse and molestation coverage (claims‑made)
- Directors & Officers (D&O) liability
- Cyber liability and data breach protection
Common Risks in Long‑Term Care
- Falls and fall‑related injuries
- Pressure ulcers and wound‑care failures
- Medication errors and adverse drug events
- Allegations of neglect or inadequate supervision
- Infection control failures and outbreaks
- Elopement and wandering incidents
- Staffing shortages and training gaps
- Regulatory violations and survey deficiencies
Find Coverage That Fits Your Level of Care
Every long‑term care setting is different — and the right insurance solution depends on your resident population, acuity mix, staffing model, and operational risk. ETHOS helps you evaluate your exposures and connect with carriers offering coverage aligned to your needs. Request a customized quote or speak with our team today.