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Seniorcare Assisted Living & Skilled Nursing Home Program


Polaris Risk Management & Insurance Services is pleased to provide a comprehensive, affordable insurance program designed specifically for Assisted Living and Independent Long Term Care Facilities. Our goal is to make your insurance program flexible in design,

comprehensive in coverage, easy to understand, and convenient to obtain.

What is Assisted Living?

Nationally, assisted living is a general term used to describe a residence for seniors where assistance is provided, as needed, with activities of daily living.  Generally residents of assisted living homes do not require 24-hour skilled nursing or medical services.

What is Skilled Nursing?

A Skilled Nursing Facility or SNF, also known as a Nursing Home, has Registered Nurses who help provide 24-hour care to people who can no longer care for themselves due to physical, emotional, or mental conditions.  A licensed physician supervises each patient’s care and a nurse or other medical professional is almost on the premises.  Most nursing homes have two basic types or services: skilled medical care and custodial care.

Our Insurance Program includes:
  • Professional & General Liability (Including Products & Completed Operations Liability)

  • Sexual Misconduct & Physical Abuse Liability

  • Employee Benefits Liability

  • Tenants’ Liability

  • Medical Expenses

  • Breach of HIPPA Regulations

  • Evacuation Expense Reimbursement

  • Brand Protection

  • An incident sensitive trigger-a lawsuit does not have to be brought against the client for the policy to respond-it responds to any incidents which could give rise to a claim.

  • State of the art Risk Management Program where required.

  • Legal/Media Reimbursement

  • Defense Costs in addition to the limit of liability

We also offer Auto Liability, Property, Workers’ Compensation & Other Lines of Coverage for your facility.

Additional Program Highlights:
  • Risks for any number of locations in all states

  • 48 hour quote turn around time for General Liability & Professional Liability

  • Premium Financing Available

For more information or to receive a quote, please contact one or our Risk Specialists at (925) 677-7400 or via email at

Polaris is a member of The Assisted Living Federation of America (ALFA).

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