VGM Insurance Services
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Senior Living
Customized Coverage for Senior Living Providers
As a senior living provider, you encounter unique challenges every day while caring for your residents. You offer them a sense of security, and you deserve insurance coverage that provides you with the same peace of mind. That’s why partnering with experts like those at VGM Insurance is essential. We are dedicated to building lasting relationships and will work with you to ensure your business has the right coverage to feel secure. From independent living to skilled nursing, a deep understanding of healthcare allows us to deliver comprehensive, long-term solutions that align seamlessly with senior living’s unique exposure.
Who Should Get Senior Living Insurance?
Senior living communities are a cornerstone in the care of millions of residents across the country. Our experience has led us to become the unequivocal destination for specialized coverage tailored to the unique needs of those in the senior care industry. Check out the list below to see who our Senior Living product is designed for.
- Assisted Living Facilities
- Memory Care Facilities
- Skilled Nursing Facilities
- Residential Care Facilities
- Continuing Care Retirement Communities
- Independent Living Facilities
- Senior Apartments
Exclusive Workers’ Compensation Program
We live Senior Living. The care provided by senior living communities is essential to millions of residents nationwide and we understand the complexities and hazards of providing healthcare unlike any other insurer. This intimate knowledge is what allows VGM Insurance to offer protection beyond the policies we write. And it brings you a Workers’ Compensation program with competitive pricing, streamlined processes, and customer service you won’t find anywhere else. Click the button below to learn more about our Workers’ Compensation program and to start the quote process today.
Coverage Options
What’s the goal of any insurance policy? To get you the best policy possible while keeping your costs down and minimizing your risk. That’s what we’re all about at VGM Insurance. Our experts will get you the right policy, and help save you money on insurance costs. What could be better than that? Check out the full list of our senior living coverage options.
- Healthcare Professional Liability on a Claims-made basis
- Healthcare General Liability on a Claims-made basis
- Follow-Form Excess Liability
- Workers’ Compensation
- Deductibles or SIRs
- Employee Benefits Liability
- Hired and Non-Owned Auto Liability
- Management Liability
- Physical/Sexual Abuse Liability
- Evacuation Expense Reimbursement
- Medical Payments
- Legal Defense
View Program PageAvailability in 50 StatesHome Medical Equipment
Specialized Insurance Solutions Designed for the Unique Needs of Homecare/Home Medical Equipment Providers.
We offer specialized, full-line coverage for a wide range of businesses in the home medical equipment industry. We pride ourselves on providing tailored solutions for the unique needs of every provider.
Who it Covers
- Home Medical Equipment Providers
- Home Accessibility Contractors
- Respiratory Providers
- Sleep Study Clinics
- Complex Rehabilitation Providers
- Post-mastectomy and Women’s Health Boutiques
What it Covers
- Commercial General Liability
- Professional Liability
- Property
- Business Auto
- Workers’ Compensation
- Excess Coverage
- Directors and Officers
- Employment Practices Liability
- Cyber Liability
- Surety Bonds
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Admitted and Non-Admitted Nationwide: We have the flexibility to meet the ever-changing needs of your clients’ business.
- Ease of Doing Business: Our fully digital application and renewal process make it simple and convenient to get your insurance business done – for you and your clients!
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources, helps clients manage their risk and defend their business.
View Program PageAvailability in 50 StatesWorkers Compensation
Exclusive Workers’ Compensation Program for Allied Healthcare
VGM Insurance has been supporting the allied healthcare industry for over 30 years with its proprietary insurance products including an exclusive Workers’ Compensation program. These programs are specifically designed to meet the needs of allied healthcare businesses and the risk managers who serve them.
Program Features
- Exclusive Workers’ Compensation program backed by the strength of A.M. Best “A” Rated Carriers
- Coverage available Nationwide
- Pay-As-You-Go Plans
- Unrivaled risk management solutions and the exceptional claims and customer service your business deserves
- Competitive premiums
- All premium size considered
Insuring All Allied Healthcare Businesses, Including But Not Limited To:
- Home Health Care
- Home Medical Equipment
- Orthotic & Prosthetic
- Physical Therapy
- Residential Hospice
- Medical Testing
- Dialysis
- Outpatient Therapy
See what it’s like to have an ally in allied health
View Program PageAvailability in 50 StatesHome Health Care/Hospice
Coverages Offered :General LiabilityProfessional Liability Insurance (E&O)Commercial PropertyCommercial AutoCommercial AutoWorkers CompensationExcessDirectors And Officers LiabilityEmployment Practices Liability (EPLI)Cyber Liability
Specialized Insurance Solutions Designed for the Unique Needs of Home Health Care and Hospice Providers
With an expert team specializing in the Home Health Care and Hospice industries, our insurance program provides a broad portfolio of enhanced coverages at competitive prices. Partner with VGM Insurance Services for exceptional customer service, quick turnaround time and claims expertise.
Who it Covers
- Home Health Providers
- Hospice Providers
- Senior Living Facilities
- Nursing Homes
- Assisted Living Facilities
- Home Infusion Pharmacies
- Temporary Staffing
- Dialysis Centers
- Case Management
- Massage Therapy/Non-Invasive Spa Services
- Outpatient Mental Health Counseling
- Social Service Agencies
What it Covers
- Commercial General Liability
- Professional Liability
- Property
- Business Auto
- Workers’ Compensation
- Excess Coverage
- Directors and Officers
- Employment Practices Liability
- Cyber Liability
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Competitive Commission Structure: We offer competitive commission structure to our agent and broker partners, and pride ourselves on providing unparalleled service at all times.
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources helps your clients to manage their risk and defend their business.
View Program PageAvailability in 50 StatesGolf and Hospitality
Coverages Offered :Commercial PropertyUmbrella LiabilityCommercial AutoCommercial AutoCyber LiabilityDirectors And Officers LiabilityEmployment Practices Liability (EPLI)Workers CompensationPollution LiabilityAccident Medical
Specialized Insurance Solutions Designed for the Unique Needs of Golf Courses, Country Clubs, and Hospitality Businesses
Our goal is to make sure the course is covered from the clubhouse, to the 18th hole, and everything in between. We specialize in placing a wide spectrum of commercial insurance products in the golf and hospitality industries. This program provides broader solutions, as well as the flexibility of optional and standalone coverages for clubs and businesses of all sizes, types and ownership structures.
Who it Covers
- Public Courses
- Private and Semi-private Clubs
- Daily Fee Courses
- Golf Management Companies
- Tax-exempt Municipalities
- Resorts
- City, Athletic, and Social Clubs
- Equine Services and Facilities
What it Covers
- Property
- Casualty
- Umbrella
- Business Auto
- Difference in Conditions and Equipment
- Cyber Liability
- Directors and Officers
- Employment Practices Liability
- Workers Compensation
- Pollution and Storage Tank
- Accident and Health
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Admitted and Non-Admitted Nationwide: We have the flexibility to meet the ever-changing needs of your clients’ business.
- Ease of Doing Business: Our fully digital application and renewal process make it simple and convenient to get your insurance business done – for you and your clients!
- Risk Management Expertise: Decades of industry experience and a full portfolio of risk management resources helps clients manage their risk and prevent future claims.
View Program PageAvailability in 50 StatesMedical Manufacturers, Distributors, and Manufacturer Reps
Coverages Offered :General LiabilityProfessional Liability Insurance (E&O)Commercial AutoWorkers CompensationExcessDirectors And Officers LiabilityEmployment Practices Liability (EPLI)Cyber LiabilitySurety Bond
Specialized Insurance Solutions Designed for the Unique Needs of Medical Manufacturer Representatives, Medical Distributors, and Select Medical Manufacturers
Whether the business manufactures medical devices or components used by patients across the country, or distributes these components to the doctors serving those patients, VGM Insurance can provide the coverage needed to protect the business, control costs, and allow your clients’ to perform this essential work. We are an insurance provider that understands the unique needs of this industry. Partner with VGM Insurance Services for exceptional customer service, quick turnaround time and claims expertise.
Who it Covers
- Medical Distributors
- Medical Manufacturer’s Reps
- Select Medical Manufacturers
What it Covers
- Commercial General Liability
- Professional Liability
- Property
- Business Auto
- Workers’ Compensation
- Excess Coverage
- Directors and Officers
- Employment Practices Liability
- Cyber Liability
- Surety Bonds
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Admitted and Non-Admitted Nationwide: We have the flexibility to meet the ever-changing needs of your clients’ business.
- Ease of Doing Business: Our fully digital application and renewal process make it simple and convenient to get your insurance business done – for you and your clients!
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources, helps clients manage their risk and defend their business.
View Program PageAvailability in 50 StatesAdditional Allied Healthcare Classes of Business
Coverages Offered :Professional Liability Insurance (E&O)General LiabilityAbuseHired & Non-Owned Auto Insurance CoverageHired Auto Physical DamageCommercial Property
Specialized Insurance Solutions Designed for Businesses in the Allied Healthcare Industry
Allied Healthcare coverage for businesses that don’t fall into traditional categories and come with a unique set of risks is our specialty. With over 30 years of expertise in this industry, our program provides comprehensive insurance coverage tailored for each unique business. Partner with VGM Insurance Services for exceptional customer service, quick turnaround time and claims expertise.
Our Customers:
- Residential Hospice
- Medical Testing and Imaging Laboratories
- Dialysis Centers
- Outpatient Therapy and Rehabilitation
- Specialty Human Services
What it Covers
- Primary limits up to $5,000,000/$7,000,000
- Monoline Professional or combined Professional/General Liability
- Sexual/Physical Abuse sub-limit options up to $1M/$1M
- Property
- Hired and Non-owned Auto coverage
- Claims made or Occurrence
- Shared limit or separate limit
- Options for defense within or outside of limits
- Various deductible options starting at $0
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Admitted and Non-Admitted Nationwide: We have the flexibility to meet the ever-changing needs of your clients’ business.
- Ease of Doing Business: Our fully digital application and renewal process make it simple and convenient to get your insurance business done – for you and your clients!
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources, helps clients manage their risk and defend their business.
View Program PageAvailability in 50 StatesOrthotic and Prosthetic Providers
Coverages Offered :General LiabilityProfessional Liability Insurance (E&O)Commercial PropertyCommercial AutoCommercial AutoWorkers CompensationExcessDirectors And Officers LiabilityEmployment Practices Liability (EPLI)Cyber Liability
Specialized Insurance Solutions Designed for the Unique Needs of Orthotic and Prosthetic Providers
With an expert team specializing in the Orthotic and Prosthetic profession, our insurance program provides a broad portfolio of enhanced coverages at competitive prices. Partner with VGM Insurance Services for exceptional customer service, quick turnaround time and claims expertise.
Who it Covers
- Orthotic and Prosthetic Practices and Services
- Custom Fitters/Central Fabricators (including Manufacturing)
- Home Medical Equipment Providers
What it Covers
- Commercial General Liability
- Professional Liability
- Property
- Business Auto
- Workers’ Compensation
- Excess Coverage
- Directors and Officers
- Employment Practices Liability
- Cyber Liability
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Competitive Commission Structure: We offer competitive commission structure to our agent and broker partners, and pride ourselves on providing unparalleled service at all times.
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources helps your clients to manage their risk and defend their business.
View Program PageAvailability in 50 StatesPhysical Therapy/Outpatient Rehabilitation
Coverages Offered :General LiabilityProfessional Liability Insurance (E&O)Commercial AutoCommercial AutoCommercial PropertyWorkers CompensationExcessDirectors And Officers LiabilityEmployment Practices Liability (EPLI)Cyber Liability
Specialized Insurance Solutions Designed for the Unique Needs of Physical Therapy and Outpatient Rehabilitation Providers
With an expert team specializing in the Physical Therapy/Outpatient Rehabilitation industries, our insurance program provides a broad portfolio of enhanced coverages at competitive prices. Partner with VGM Insurance Services for exceptional customer service, quick turnaround time and claims expertise.
Who it Covers
- Physical Therapy
- Occupational Therapy
- Speech Therapy
- Massage Therapy
- Athletic Trainers
- Physical Therapy Assistants
- Contracted Workers
What it Covers
- Commercial General Liability
- Professional Liability
- Property
- Business Auto
- Workers’ Compensation
- Excess Coverage
- Directors and Officers
- Employment Practices Liability
- Cyber Liability
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Competitive Commission Structure: We offer competitive commission structure to our agent and broker partners, and pride ourselves on providing unparalleled service at all times.
- Risk Management Expertise: Access to our in-house corporate counsel and claims team, as well as a full portfolio of risk management resources helps your clients to manage their risk and defend their business.
View Program PageAvailability in 50 States -
VGM Insurance Services
Specialty Programs for the Allied Healthcare and Golf and Hospitality Industries
Founded in 1990 and headquartered in Waterloo, Iowa, VGM Insurance Services has been a recognized leader for over 30 years in providing specialty insurance programs for a variety of niche industries.
With a national presence, partnerships with over 1,500 agents and brokers across the country, and programs designed and built by industry experts, our programs are some of the fastest growing in the industries we serve.
Our portfolio of specialty programs includes:
- Home Health Care/Hospice
- Physical Therapy/Outpatient Rehabilitation
- Homecare/Home Medical Equipment
- Orthotic and Prosthetic Providers
- Temporary Medical Staffing
- Medical Testing and Imaging Laboratories
- Dialysis Centers
- Medical Distributors/Manufacturer Reps
- Senior Living
- Golf and Country Clubs
VGM Insurance Services has five underwriting offices across the country, is 100% Employee-Owned, and was named among the Best Places to Work in Insurance for 2018 by Business Insurance Magazine.
Program Highlights
- Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your clients’ business.
- Admitted and NonAdmitted Nationwide: We have the flexibility to meet the ever-changing needs of your clients’ business.
- Competitive Commission Structure: We offer competitive commission structure to our agent and broker partners, and pride ourselves on providing unparalleled service at all times.
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News Releases
VGM Insurance Services Expands Coverage With New Senior Living Insurance Program
Read MoreThe latest offering delivers long-term, competitively priced protection for senior care organizations, safeguarding employees, residents, and businesses. VGM Insurance Services, a division of VGM Group Inc., has launched a comprehensive senior living insurance product, now available in all 50 states. Designed specifically for assisted living facilities, skilled nursing homes, residential care facilities, and independent living communities, this program is backed by A-rated carriers and tailored to meet the unique risks faced by the senior care industry.
Senior care communities play a crucial role in supporting millions of residents nationwide, yet they often face challenges securing adequate insurance coverage. Finding a partner that truly understands their risks and coverage needs has become essential.
“Healthcare is where VGM Insurance thrives,” said Bill Wilson, senior vice president of VGM Insurance Services. “Expanding into senior living is a natural progression in our commitment to those who provide care. We recognize the distinct business needs of these providers and are dedicated to delivering solutions that help them manage risk while continuing to offer the highest level of care.”
VGM Insurance’s deep expertise in healthcare brings added value to both businesses and insurance brokers seeking senior living coverage. Beyond offering competitively priced policies, the company simplifies the entire process—from application to policy management and claims handling.
“The customer experience drives everything we do,” said Lizzie Kelly, vice president of carrier relations and program development at VGM Insurance. “By understanding our customers’ needs, we streamline the process while delivering top-tier coverage and service they won’t find anywhere else.”
“Risk management extends beyond policy coverage,” Wilson added. “Senior care providers serve some of the most vulnerable populations. They deserve an insurance partner that shares their level of commitment and expertise.”
VGM Insurance’s senior living product is specifically designed insurance brokers looking for coverage for their clients. To learn how the VGM Insurance senior living program can help you protect your employees and your business, or to receive a competitive quote, reach out to your VGM Insurance Services at info@vgminsurance.com or 800-362-3363. VGM Insurance Services, a division of VGM Group, Inc., is headquartered in Waterloo, Iowa. Its staff of more than 70 employee owners is dedicated to providing comprehensive commercial insurance and risk management solutions for customers throughout the U.S., including home medical equipment providers, senior living providers, home health and hospice providers, orthotics and prosthetics practitioners, physical therapy practices, medical manufacturer representatives and distributors, and other clients in the post-acute healthcare industries, as well as golf and hospitality businesses. For more information, visit www.vgminsurance.com. -
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