Updated Insurance Protection for Nursing Home

Medical directors at nursing home facilities face a growing list of responsibilities. Chief among them is the obligation to mitigate potential risks and protect the center from legal challenges. Those who purchase insurance for nursing homes often start with basic coverage and add additional layers of protection. Before nursing home administrators can shop for coverage, though, they must understand the changing healthcare facility model.

Additional Opportunities for Residents

No longer do nursing home residents move into care facilities at the very end of their lives. Often, citizens of these communities require assistance with everyday activities and medical care. Nonetheless, residents live full and active lives for years or decades in the nursing home community. As such, healthcare professionals often must present residents with additional opportunities for mental, emotional, and physical stimulation.

Modern Insurance Coverage

In additional to general business liability, hospital administrators must purchase additional coverage that other businesses can typically avoid. Generally, nursing homes require the following areas of coverage:

  • Intentional Torts
  • Resident Rights
  • Grooming
  • Medical Director

As nursing homes change business models to meet expanding needs of residents, updating insurance for nursing homes is essential. For the most protection possible, smart medical administrators work to combine general insurance with expanded coverage. With more effective risk management, medical professionals can better meet the objectives of nursing home residents.

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