CALL US:
530.894.3276

Nursing Home Insurance

Is your nursing home properly safeguarded against risks? If not, you could face charges from a variety of sources. Nursing home insurance can provide reimbursement if you end up having to pay for problems out-of-pocket.

Many nursing homes face liability issues from the following problems:

  • Negligent Supervision: Elderly patients often need to be supervised, and some patients may even need to be monitored 24/7 to help avoid self-inflicted injury. Stepping away for just a few minutes could leave a patient alone long enough to hurt themselves. Note that supervision is not limited to watching patients. In many cases, employees must actively check for potential problems (places where patients could slip and fall, whether or not patients have been able to get up and move around, etc.) in order to fulfill their legal responsibility to patients.
  • Negligent Hiring: Most employees at nursing homes genuinely mean well; however, sometimes negligent hiring occurs. Employees may actively abuse or neglect the facility's patients, and the nursing home could be held liable for not adequately screening potential employees. Additional training after hiring (or during the hiring process) can help mitigate this, but negligent hiring coverage provides an additional level of security if an employee doesn't work out.
  • Failure to Keep the Facility Safe: Whether it's removing water on the floor or managing patients with an inclination to violence, employees of nursing homes are expected to keep the facility safe for all inhabitants.

Nursing Home Malpractice Insurance

As facilities that provide medical care, nursing homes fall under local and federal regulations regarding the protection of patients. Substandard care can cause serious harm to patients, and in this situation, charges could be brought against the facility or whomever was treating the patient in question.

Medical malpractice insurance can help make a crisis manageable, giving your facility the time it needs to make necessary improvements to ensure the problem doesn't reoccur. Different types of care have different levels of risk, so talk a Heritage Insurance Agency agent today about what kind of medical care your nursing home offers. Once we know exactly what services you provide to your patients, we'll work with you to find a nursing home insurance policy that meets your needs.

 

1. "Negligent Supervision Claims." AllLaw.com. Accessed April 14, 2016. http://www.alllaw.com/articles/nolo/personal-injury/negligent-supervision.html.

2. "Abuse in Nursing Homes." Nursinghomefamilies.com. Accessed April 14, 2016. http://www.nursinghomefamilies.com/NH_web/Abuse_in_Nursing_Homes.html

Our Location

Chico

290 Airpark Boulevard
Chico, CA 95973
Main office: 530-894-3276

Our Providers

"We do business with Heritage Insurance Agency for the excellent, personal customer service we receive. They are there when we need them." Debbie Hobbs-Floors By Ray
Debbie Hobbs-Floors By Ray
"My experience with Heritage, formerly Wagner Insurance Agency has exceeded my very high expectations. They are courteous, knowledgeable, responsive, and genuinely interested in matching their clients with the right coverage at a very competitive price. I was attracted by their ability to meet all insurance needs under “one roof.” But when I found out they could do so while upgrading my coverage and STILL save me money, I knew I had found a special place. Kudos to Steve, Dana, and the rest of the team at Heritage for putting the customer first!" -Lawrence Fowler
Lawrence Fowler
"It isn't what we say about ourselves that matters, it's what others say about us that matters most." -Agency Principal, Steve Mora
Agency Principal - Steve Mora
"Our family farm selected Steve and his team at Heritage Insurance because of their commitment to each client. Valuing the person not the policy, Heritage Insurance works with you individually to obtain the best policy that fits your needs. They are quick to obtain the needs of each client and work diligently in doing so. Steve and Kelly are actively involved in many events directly connecting them to the community." -Theresa Schneider, A&J Family Farms, Inc.
Theresa Schneider - A&J Family Farms, Inc. Chico, CA
"Heritage Insurance Agency has not only provided our families with dependable insurance coverage but most importantly provided us with peace of mind with their knowledge and great service. Steve and his staff are attentive to all our needs for our auto, farm business, worker's comp, crop and even health insurance...they got us covered! I appreciate knowing they are always looking out for us-just like family." -Carolina Burreson, Burreson Farms
Carolina Burreson, Burreson Farms, Orland, CA
"We have been associated with Steve Mora and his family for over 30 years. Because of that personal relationship we were very comfortable in assigning to him all our insurance needs, even though separated by considerable distance. Our coverage includes auto, health, residence and several ranch properties plus an umbrella policy. In this modern age of technology our need for security and the peace of mind that goes with it has been well served by Heritage Insurance Agency." -Eve and Glenn Cherry
Eve and Glenn Cherry, Templeton, CA
Whenever you have a problem or a claim, Steve and Kelly act quickly and you will have an answer immediately. In all the years I have been with Heritage, formerly Wagner Insurance, they have been there to ensure wonderful service and that my claims are handled promptly. They always put the costumer first. I like working with Heritage Insurance because they are a versatile agency that handles all types of insurance needs from Farm, auto, commercial to health and life. - Michael Pearson P & S Farms
Michael Pearson P & S Farms
"Steve always takes the time to educate me and explain my options in a way that makes me confident that he has my best interests at heart. The personalized service you receive on the phone, or the warm welcome you experience when you walk into the office, leaves you feeling as if you are part of the family, instead of a name on a file." -Lisa Mehoff
Lisa Mehoff