Long Term Care2018-07-18T14:40:43-05:00
Long Term Care
Our Long Term Care program considers single
locations through large, national groups.

Long Term Care

  • Skilled Nursing Homes, Sub Acute Homes, Memory Care, Assisted Living, Independent Living, Home Health and Rehab Services
  • Primary Policy
    • Limits up to $25M
    • Operators or Property Owners Policies
  • Excess Limits up to $25M
    • Follow Form of Primary Policy
  • Stand Alone Extended Reporting Periods
    • Refreshed Liability Towers
    • First Dollar Coverage

Coverage Highlights

  • First dollar retentions available
  • Excess can sit over Auto Liability & Employers Liability
  • Full Limit Sexual Abuse
  • Option of Deductible/Retention
  • Separate Towers of for Professional & General Liability
  • Limits apply on a per Location Basis.
  • Choice of Counsel

Coverage Extensions

  • Separate Tower of Defense
  • Occurrence General Liability Available
  • Stop-Gap Employers Liability
  • HIPAA Civil Fines & Penalties
  • Media Expense Coverage
  • Evacuation Expense
  • Evacuation Criminal Defense Coverage
  • Administrative Defense Coverage
  • Legal Expenses Coverage
  • Named Insured Omnibus Language
  • State Specific Limits Endorsements
  • Most Favorable Venue
  • Punitive Damages Exclusion

Excess Coverage for All Facilities

  • Limits up to $25M/$25M
  • Follow form excess over PL/GL/EL and AL
  • Option for most favorable venue, silent on punitive damages or discount for exclusion


  • Coverage is written on a non-admitted basis through leading London Underwriters rated “A XV” (Excellent) by A.M. Best and benefit from their solid chain of security.
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Sapphire Blue is a series of RSG Underwriting Managers, LLC. RSG Underwriting Managers is a Delaware series limited liability company and a subsidiary of Ryan Specialty Group, LLC, specializing in underwriting management and other services for insurance products distributed through agents and brokers. In California: RSG Insurance Services, LLC License # 0E50879 ©2021 Ryan Specialty Group, LLC