Senior Living Facilities

Senior LivingThere are a variety of senior living facilities in operation today, including nursing homes, assisted and independent living organizations, and continuing care retirement communities. Each has unique risk profiles that require an array of insurance coverage and risk management tools.

Dubraski & Associates provides all of our health care clients, including senior living facilities, with value-based recommendations and solutions that will meet their goals and ensure their financial protection.


Professional & General Liability

Professional and General Liability insurance may be one of the largest contributors to a senior living facility’s total cost of risk. Dubraski & Associates understands the unique needs of long-term care providers, and our associates will utilize their specialized, extensive knowledge and relationships to structure, negotiate and implement the most cost-effective coverages for each specific site’s unique needs. Our knowledge of the senior living facility insurance market and our carrier relationships are a significant asset to our clients.

Workers Compensation

Another significant exposure area is workers compensation. For senior living facilities, premiums will depend on the number of employees and many other factors. We will work with you to analyze your exposures and ensure that your coverage is comprehensive enough to meet your facility’s needs in a cost-effective manner.

Data Privacy Coverages

Data privacy and security insurance provides health care organizations with a means to transfer and manage the risks of this emerging exposure in an industry that is becoming increasingly reliant upon technology.

Management Liability

As the U.S. health care industry evolves, management liability insurance provides senior living facilities, their directors and officers with protection for the complex management and employment related exposures that may arise.

Property & Casualty

A senior living facility may require insurance for property, general liability and other traditional coverages. We specialize in placing all lines of insurance for health care organizations.

Crime/Employee Theft

Because patients are in long-term care facilities for periods ranging from weeks to years in some cases, the need often arises for coverage relating to losses relating to simple theft, such as personal goods like jewelry or other valuables, all the way to mishandling of company funds via unauthorized bank transfers or other transactions.

Ancillary Coverages

Dubraski & Associates can also help you put into place additional coverages when necessary, including:

  • Surety bonds
  • Environmental coverage
  • Automobile coverage

Employee Benefits

Employee benefits have become complex and costs continue to escalate. Senior living facilities can present their own unique challenges when it comes to designing and implementing an employee benefits package. Dubraski & Associates is proficient in all manners of health & welfare consulting and our associates are able to utilize unique and diverse approaches when helping these groups design and structure their benefit programs. Whether it is using today’s technology by engaging our unique transparent reverse auction approach for sourcing life and disability, tapping into our specialized health care markets to negotiate more competitive stop-loss pricing and better provisions for self-funded medical plans, using leverage to drive down pharmacy costs through our collective PBM program, or educating and communicating a voluntary benefit program at multiple facilities to your valuable employees, our unique collaborative approach with our clients allow us to custom-tailor an employee benefits package that’s right for you.

Our team’s professional experience in the health care arena will ensure that all your coverage needs are met. We focus on your company, as well as your employees and corporate structure, to ensure that any and all coverage needs are met appropriately and effectively.


To learn more about how Dubraski & Associates can help senior living facilities, contact us.