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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 Fitts Agency, Inc. 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

Fitts Agency, Inc.

1806 6th Street
Tuscaloosa, AL 35401
Main office: 205-881-2556
Fax: 205-342-3467

Merchants & Farmers

301 Prairie Ave
Eutaw, AL 35462
Main office: 205-686-6279
Fax: 205-372-0852

Our Providers

Testimonials

The Fitts Agency, Inc. has been taking care of my personal and professional insurance needs for over 25 years. They have done an exceptional job to insure we are properly covered with all aspects of our complicated business insurance needs including property, automobile and equipment, bonding, life insurance, liability and specialty insurance. Their professional service follows through the claim process as well, demonstrated by the spring 2011 Tuscaloosa tornadoes and the damage we received from same. With their extensive help, excellent support staff and prompt response, we were able to get back in business with minimal wasted time. I highly recommend the Fitts Agency, Inc. for your insurance needs.

Thomas D. Jamison - President, J & P Construction Co., Inc.
We are writing this letter to document the performance of the Fitts Agency, Inc. Fitts Agency has been very instrumental in providing for all our business insurance needs. Since 2007, they have seen to our General Liability, Workman's compensation, Auto, Builder's Risk, Professional Liability and Umbrella policies. Their service is excellent; quick and accurate, and always with a friendly, helpful attitude.

Christopher L. Swain - VP Operations, Monumental Contracting Service, LLC
It's so refreshing to have an insurance agency that actually cares about their clients. I was with a "national brand" company for many years and never knew that I could have other great choices for my home and automobile insurance. These folks are great and I would recommend them to anyone wanting great rates and service.

Maggie Miller - Tuscaloosa, AL
Before the sun set on April 27 (after the devastating tornado), Forrest Fitts had a team on our roof surveying the damage. Two days later the debris was completely gone, the sheet rock was replaced - even the landscaping was repaired.

Mark and Liz Obradovich - Owners of Tuscaloosa Holiday Inn Express & Suites
When the April 27th tornado struck my business, the Fitts Agency made sure we were covered. Thank you Tim Donahue and your top-notch staff for doing just that. I could not think of a better team than the Fitts Agency, Watkins Construction Co., Inc. and FCCI Insurance to assist Spiller Furniture with disaster recovery.

Shane Spiller
We favor the Fitts Agency and any of their competitors would truly have an uphill battle to overcome prior to us ever making any notable changes. Specifically to the fact that although we will price multiple sources, we have learned that Tim and his team have been the most helpful and in the long run, equally competitive with anyone we have considered in the past 25+ years.

Mark Rettig - Vice President, AHR Metals, Inc.
Nobody could have taken care of me better than the Fitts Agency after the storm. I've been with the Fitts Agency for over twenty years - home, autos, and my business before I retired. I would never go anywhere else for my insurance.

Ernest Woodruff - Tuscaloosa, AL