Nursing Home Liability Insurance

Liability insurance is a legal concept that requires a person who caused damages to pay for the damages they have caused. Hospitals often have malpractice policies and significant general liability policies. However, many people are surprised to learn that nursing homes in Illinois are not required to carry liability insurance. There have been many proposals in the Illinois Legislature to require nursing homes to carry liability insurance, however many of these proposals have failed to get traction. Unfortunately, the majority of these bills have not even made it past committee, one of the earliest stages of getting a bill passed.

Therefore, when a resident is injured or dies from nursing home abuse or neglect, the home cannot cover this loss. This leaves families and individuals powerless because it takes away their ability to receive fair and reasonable compensation for the harms caused. Family members feel as though they are trapped and cannot proceed forward with a claim. It is very important for family members to research a nursing home’s insurance coverage in order to choose a facility that is covered. This may help to protect your family and ensure compensation in the event that your loved one suffers a serious personal injury or death caused by nursing home negligence.