Affordable Coverage

As a Risk Retention Group, our number one priority is to provide affordable and stable insurance premiums to our policyholders. Unlike a traditional stock insurance company, our policyholders are owners, which allows us to charge affordable rates without the need to generate profits for third-party shareholders. Healthcare Professional Long Term Care Risk Retention Group, Inc. provides coverage to Independent Living Facilities, Assisted Living Facilities, Intermediate Care Facilities, Skilled Nursing Facilities and Continuing Care Retirement Communities across the country. This diverse coverage allows HPLTC to offer affordable and stable premiums while underwriting profitably.

Managing claims and legal expenses is essential in being able to offer affordable coverage. HPLTC’s management has extensive experience underwriting and managing claims allowing us to be prepared for the most complex cases. Additionally, we have relationships with top defense firms specializing in professional and general liability insurance allowing the company to vigorously defend all claims while meticulously managing expenses.

Coverage Options

01. Professional Liability

Protects your organization, employees and volunteers against claims of negligence involving bodily injury as a result of actual or alleged negligent acts and issues related to rendering professional services.

02. General Liability

Protects your organization, employees and volunteers against claims of negligence involving bodily injury, property damage, and personal and advertising injury.