Senior Care

The increasing demand for senior care services brings a host of risks and operational challenges particular to this unique area of healthcare. Marsh's Senior Care Practice is skilled in helping senior care providers identify, manage, and mitigate these risks.

From skilled nursing, to senior living, to home healthcare, senior care providers face challenges on multiple fronts. As the US population ages and demand for services continues to increase, the mission to provide quality care is continually challenged by staffing shortages, regulatory compliance developments, fluctuating reimbursement models, and thin margins. And while communal living has long been viewed as a benefit for seniors, the COVID-19 pandemic brought to the fore the health risks of group residential living.

The health and safety of residents and employees in senior care settings is paramount, but other risks require attention as well. Facilities must remain mindful of property risks, workforce challenges, data privacy and security risks, and more.

The experienced specialists within our Senior Care Practice are dedicated to understanding your business challenges and offering resources and solutions that can help you manage and mitigate your risks.


The liability landscape in senior care is complex. Recent trends predating the COVID-19 pandemic show increasing frequency and severity, with litigation costs increasing. And property-related claims may also be problematic.

Senior care organizations are seeing growth in claims from several areas, including:

  • Professional liability
  • General liability
  • Workers' compensation
  • Directors and officers (D&O) liability
  • Employment practices liability
  • Property

Marsh's Senior Care Practice can help your business understand these trends and your specific exposures, helping you to improve your organization's risk management program.

For private and non-profit healthcare organizations, concerns such as discrimination, wrongful termination, harassment, and wage and hour suits are expanding — and can be very costly. Many jobs in the senior care sector are characterized by long hours, low wages, and high turnover — all of which exacerbate these employment practices issues.

Organizations should consider how best to protect themselves, their staff, and their residents through a mix of insurance and risk management strategies.

Senior care organizations have complex risk profiles, with a range of exposures that can vary by geography and the specific nature of services they provide. Insurance can offer valuable protection when it is part of a comprehensive risk management program.

Insurance coverage solutions that senior care organizations should consider with their risk advisors include, among others:

  • Professional liability
  • Management liability
  • General liability
  • Workers' compensation
  • Cyber
  • Property

Marsh’s risk specialists have extensive experience in the senior care sector, helping businesses like yours mitigate losses and preserve your capacity to deliver quality care.


Our people

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Joanne Wankmiller

US Senior Care Practice Leader, Marsh

  • United States