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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 Southern Capital Insurance 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 Locations

Crestview Office

2225 S Ferdon Blvd.
Crestview, FL 32536
Main office: 850-316-8483

Bonifay Office

301 S Waukesha St
Bonifay, FL 32425
Main office: 850-378-3046

Our Providers

Smart and Professional are the two words that describe this group. The entire staff is exceptional at what they do & knowledgeable in the industry.
Brittany A
I have had my homeowner's insurance with Southern Capital Insurance for 6 or 7 years now, and I stick with them because of their great customer service. Whenever a company raises my rates, they cheerfully help me find a new company with the lowest rates. I have gotten quotes from other offices to compare, but Southern always comes through with the best product. They are very friendly and professional. I am happy to recommend them!
Sandra M
Very satisified recieved the untimate respect and care from the staff. They were the cheapest best quality insurance.
Jackie R
I do appreciate the customer service and how Krystal explained all my questions so I did understand the insurance process. It not easy for me to change from one insurance company to another and your company made it easier.
Maria G H
Anytime in my dealing with Southern Capital Insurance has always been great! Everyone there has always answered all of my questions and more. They all are friendly and very helpful. I have been with them along time and will continue to do so.EVERYONE should have an Insurance Company that!
Cynthia O
Great rates and excellent customer service! These ladies and gentleman know their stuff! Very pleased with the way they handled all 3 of my personal policies.
Jackie B
Excellent experience! Great customer service!
Stephanie B