Common questions about Nursing homes
Answering the most frequently asked questions about Nursing homes.
Are resident records a cyber exposure?Gravity Certs2026-08-17T22:56:50-04:00
Yes. Records held for years under HIPAA make breach consequences substantial.
Does staffing ratio affect our premium?Gravity Certs2026-08-17T22:56:50-04:00
Significantly. It’s one of the primary underwriting factors and often a policy condition.
What are the most common claims?Gravity Certs2026-08-17T22:56:49-04:00
Pressure ulcers, falls, medication errors and elopement. Staffing adequacy is central to most of them.
Do we need employment practices coverage?Gravity Certs2026-08-17T22:56:49-04:00
Strongly. Large clinical and support workforces generate constant employment claims.
Is this malpractice or general liability?Gravity Certs2026-08-17T22:56:48-04:00
Primarily malpractice. Resident care claims are clinical, and general liability only covers premises exposure.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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