Workers’ Compensation for Nursing Homes and Assisted Living


  • Limited distribution program
  • Guaranteed cost, loss sensitive plans, small and large deductibles available
  • New ventures are allowed
  • Direct access to carrier programs, rating, and pricing through your local RT Specialty WC broker or underwriter
  • Monthly self-reporting plus additional payment plans (options vary by state)
  • All facilities will need to comply with COVID-19 guidelines
  • Available nationwide, excluding monopolistic states (ND, OH, WA & WY)

Eligible Class Codes

  • 8824 – Retirement Living Centers – (Nursing Homes) Health Care Employees
  • 8825 – Retirement Living Centers – (Nursing Homes) Food Service Employees
  • 8826 – Retirement Living Centers – (Nursing Homes) All Other Employees
  • 8829 – Convalescent Homes – All Employees / Nursing Homes – All Employees
  • 9070 – Residential Care Facilities – (Assisted Living)
  • 9085 – Residential Care Facilities – (Assisted Living) Dev. Disabled
  • 8851 – Congregate Living Facilities

Ineligible Risks

  • Abortion facilities (outpatient)
  • Ambulance companies
  • Emergency centers
  • Hospitals specializing in the treatment of HIV / AIDS
  • Mental hospitals
  • Public hospitals in urban centers
  • Rehabilitation facilities (substance abuse treatment facilities)

Submission Requirements

Marketing Sheet

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only. The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. RT Workers’ Comp operations are conducted by RT Workers’ Comp Specialty, a part of the RT Specialty division of RSG Specialty, LLC (RSG Specialty) and by International Facilities Insurance Services, Inc. (IFIS). RSG Specialty is a Delaware limited liability company based in Illinois. IFIS is a California corporation based in California. RSG Specialty and IFIS are subsidiaries of Ryan Specialty Group, LLC. RT Workers’ Comp works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516) and International Facilities Insurance Services, Inc. (License #0B23543). ©2024 Ryan Specialty, LLC.

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