Aging Services Liability

We provide customized coverage for several types of aging services risks including skilled nursing facilities, life plan communities and assisted and independent living facilities (with location schedules up to 20 locations). AXIS’ broad coverage is written on an E&S basis in all states and is distributed mostly through wholesale brokers.

Our aging services liability underwriters have more than 35 years’ experience structuring traditional and creative liability insurance solutions for long term care facilities.

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Dave Stoner

VP Aging Services


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  • Team service approach includes highly experienced Underwriters, Claims Professionals, Risk Managers and Actuaries 
  • Risk management services provided from Pendulum 
  • Broad underwriting appetite 
  • Coverage for single- or multi-state risks 
  • Primary, Excess and Umbrella coverages available 
  • Policies backed by the exceptional financial strength and solid claims-paying ability of the AXIS group of insurance companies
  • HUD Compliant Solutions 
  • Additional coverages available from AXIS 
    • Cyber Liability 
Policy Features
  • Broad policy form 
  • Claims-made, incident-sensitive coverage available in all states 
  • Occurrence coverage available in select states 
  • Standard Primary limits up to $1M/$3M with higher limits available for select accounts
  • Supported Excess limits up to $10M 
  • Defense costs in addition to the limit of liability 
  • Consent to settle option 
  • Coverage for punitive damages, where permissible by law 
  • Flexible coverage and limits structure 
  • Retention options ranging from first-dollar coverage to large self-insured retentions 
  • TRIA coverage included at no additional charge
Eligible Risks


  • Skilled Nursing Facilities 
  • Life Plan Communities 
  • Assisted and Independent Living Facilities 


  • Most risks up to 10 locations 
  • Select risks up to 20 locations 
  • Larger schedules for GL only 

Minimum Premium 

  • $25,000 
Resource Center

Aging Services Risk Management Resource Center

The AXIS Risk Management program is designed to assist insureds in providing optimal care, thereby improving their risk profile and reducing their liability exposure.  Access is provided to valuable risk management resources, tools, and services available through our Aging Services Risk Management Resource Center.  AXIS underwriters will assign a risk profile to all insureds based on underwriting guidelines.  Insureds will receive a risk management service package soon after binding coverage that will describe the services and products available under the profile assignment.  In most cases insureds will be afforded a budget and be able to pick and choose services and tools they feel fit their needs.  For some risk profiles, the underwriters may prescribe on-location consulting and ask for the insured's participation. 

This information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable policy for specific terms, conditions, limits, limitations and exclusions to coverage. Coverage is underwritten by a member company of the AXIS group of insurance companies. Coverage may not be available in all states and jurisdictions.