Facilities We Serve

The need for retirement communities, nursing homes, and assisted-living facilities is expected to grow tremendously in the next two decades as baby boomers retire. Since people are living longer, the incidence and duration of progressive illnesses will increase. By 2030, the number of Americans over the age of 65 is expected to double 71 million, and a projected 7.7 million of them will suffer from Alzheimer’s disease (a 50% increase from today) according to the Alzheimer’s Association. As a result, there will be an increase not only in the development of assisted living and retirement housing, but also in the need for professionals to provide services in senior living facilities.

Senior living facilities range from those providing their clients with very little assistance to those who provide continuing daily nursing care. At Highland Risk, we offer insurance and management risk programs through our agents to meet the needs of assisted living facilities, skilled nursing facilities, independent living facilities, continuing care retirement communities (CCRCs), allied health, clinics, imaging centers, and home health services. 

Our experience in senior care has enabled us to develop programs that address the various exposures to which senior living and healthcare facilities are exposed. Our highly specialized underwriters create programs specifically designed for long term care, senior living, and healthcare facilities to help your clients minimize risks and protect against loss. We take a proactive and caring approach in mitigating exposures by not only providing proprietary forms to insure against loss, but also offering a host of risk management services. Our services include, but are not limited to providing safety programs and employee training to control workers compensation cost; establishing protocols for caregivers to stem professional liability claims related to medication administration, abuse allegations, and other risks; and putting into place measures to minimize additional liability exposures due to higher acuity levels, patient falls, and increased federal and state regulations.

Our focus on long term care, senior living and healthcare facilities has resulted in deep expertise, relationships with the right markets and a thorough understanding of insurance products and policy mechanics.



Primary Features


Additional Features

SNF Skilled Nursing Facilities  
  • Home Health Services
ICF Intermediate Care Facility  
  • Long-term Acute Care Hospitals (LTACH)
ALF Assisted Living Facility  
  • Adult Day Care Facilities
ILF Independent Living Facility  
  • Miscellaneous Mental Health Service Providers
CCRC Continuing Care
Retirement Communities


Facility HighlightsSNF/ICFALFILFCCRC
All states
All facility sizes
Single or multi-location chains
Currently insured or self-insured
For-profit & not-for-profit
Includes facilities with Alzheimer's/Dementia focus, ICFs with Mental Illness/Psychiatric focus  
Includes communities with additional entertainment exposures including liquor liability    


Expertise and Creative Solutions

for Healthcare Facilities