A skilled nursing facility (SNF), traditionally referred to as a nursing home, provides a home for the elderly when they need around-the-clock care by skilled nurses due to a temporary or permanent health issue for which they are not able to get the kind of care they need at home.
The traditional nursing home has changed as the lifespan of American seniors has increased. Instead of simply offering physical care to impaired or frail individuals, homes have become more focused on addressing not only the physical needs of residents, but also their emotional and psychological needs. An increased quality of life is the goal and to achieve that goal residents are providing more flexibility and privacy for attending to their basic needs such as eating, sleeping, and bathing. This includes converting semi-private rooms to private rooms and reinvesting to make units more homelike rather than institutional.
Additionally, caregivers are increasing their emphasis on giving residents an opportunity to remain active in their communities with outside activities as well as providing additional in-home pursuits.
The Move Towards Technology
For years, skilled nursing providers have touted telemedicine as a means to help physicians and other clinicians improve care quality while decreasing the stress and costs of transporting residents. With Congress making moves to loosen some obstacles to adoption, and more evidence indicating the benefits of telemedicine, this technology could increasingly find a home in skilled nursing settings.
Our Portfolio of Coverages
As skilled nursing facilities evolve to meet the changing needs of our aging population, incorporate technology, and strive to comply with federal and state regulations, Highland Risk Services offers proactive support that helps mitigate risk, control expenses, prevent losses, and grow the bottom line.
Our comprehensive insurance program for skilled nursing facilities is offered exclusively through our agent partnes and includes coverage for:
- Professional Liability
- General Liability
- Employee Benefits Liability
- Sexual Misconduct
- Cyber Insurance
- Employment Practices Liability
- Commercial Property
- Commercial Auto
- Workers Compensation
- Other Key Coverages
You can get a more detailed view of our program highlights here. In addition, Highland Risk works with top-tier, A-rated markets, with our programs available nationally.
We Focus on Supporting Your Future Growth
What we do is not as important as how we do it. We invite you to explore the Highland Risk difference. Just give us call at (847) 832-9100 to learn more about us, our coverage lines and programs and how we can serve you and your clients’ needs.