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Knowing the most significant risks can reduce their impact on your healthcare organization.
Medical Negligence
Data Breach
Your Employees
Your Physical Assets
Employee and Visitor Safety

Your medical professionals make tough decisions and sometimes their judgment is called into question. That's why our Healthcare Professional Liability policy provides current, critical and relevant coverage against claims of medical negligence and misconduct.


When you take responsibility for your patient's health, you're also liable for their personal data. Our Cyber Liability coverages and risk control programs can help reduce your exposures and support compliance with HIPAA and other regulations.


Any employee's action could have an unintended impact on your healthcare business. That's why we cover exposures like auto, employment practices liability, directors and officers liability, plus workers' compensation for selected organizations.


A successful practice requires a secure environment. That's why we customize coverage to meet your unique needs, complete with risk control programs to help limit your exposure to theft, property damage and vandalism.


A loose computer cable near a work station or a slippery floor could result in bodily injury. That's why we don't just cover personal injuries; we offer programs and training to help you prevent them.


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Download Electronic Medical Records Minimizing Litigation Risks in the ER

This report examines three major EMR-related issues and suggests countermeasures to protect patients and minimize liability exposures.

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SORCE for Healthcare

CNA is proud to offer our School of Risk Control Excellence (SORCE®), world-class training to help healthcare institutions control their risk and manage their exposures.

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Download Our Aging Services Claim Report

Access data-driven recommendations that aging services leaders can implement in their efforts to enhance resident safety.

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Published Monday, November 6, 2017

In recent years, the aging services industry has experienced a record number of mergers and acquisitions (M&As). These transactions represent a response to healthcare reform trends, financial considerations, as well as a desire to expand aging-in-place capabilities. Divestitures, in the form of a sale or facility closure, also are occurring with some frequency — especially in the skilled care sector.

At a time of intense industry consolidation, however, aging services organizations may fail to focus on their primary mission — the delivery of quality care and services to residents and their families. Unfortunately, some organizations that have undergone a recent change in ownership have reported lower performance ratings in areas such as safeguarding resident rights, care processes and staff member satisfaction. During a period of change, resident care must remain a top priority in order to avoid deficiencies that may arise when attention may be diverted to structural change.

In this regard, a view of recent transactions in the aging services sector and how providers can achieve safe and smooth transitions for their residents is instructive.

A brisk pace continues

According to the recent CNA Alert Bulletin® Aging Services Mergers and Closures: A Resident Care Perspective, transactions involving aging services organizations in 2016 accounted for more than a third of all healthcare-related M&A transactions (337 out of 940). In the fourth quarter alone, the number of announced aging services-related M&As increased by 33 percent from the preceding quarter, surging to $6.5 billion in dollar volume – more than double the previous quarter.

The divestiture market in skilled care is equally volatile, fueled by the lowest occupancy rates in five years (82.2 percent in 2016). Except for settings with 50-99 beds, not-for-profit facilities continue to decline in number across all size categories, with the largest facilities (200 or more beds) decreasing the most (2.9 percent) between 2010 and 2015.

Strategic integration can protect residents

Market fluctuation may create a risk of fragmented or delayed care. The following six strategic measures, primarily aimed at acquiring organizations, can help facilitate the process of integration while simultaneously prioritizing resident care issues:

  1. Form a multidisciplinary team to examine the entity or entities to be acquired, focusing on the mission, values, organizational culture and structure, policy consistencies and shared aspirations.
  2. Convene a meeting with the leadership teams of all entities to jointly review policies, procedures and documentation practices in key areas, including fall prevention, skin integrity programs, medication management and dementia care.
  3. Conduct a site visit of the soon-to-be acquired facility or facilities to assess areas of potential risk exposure, including provider credentialing, staff training, resident admission and consent processes, abuse prevention and adverse event management.
  4. Disclose to residents in writing any potential post-merger restrictions on available services or other significant policy changes.
  5. Evaluate the compatibility of existing IT systems and develop a systems integration plan.
  6. Notify residents and family members/guardians in writing of the pending merger or acquisition, outlining additional costs and new billing practices, revised operational policies and adjustments to staffing levels, as well as other relevant changes.

Transition planning is key to safe divestiture-related closures

If it is necessary to close a facility, special attention must be paid to residents' rights during the transition planning process. Consider these eight essential actions and practice safeguards to help prevent gaps, delays or oversights in resident care:

  1. Inform relevant state agencies in writing of the anticipated date of closure at least 30 days in advance.
  2. Provide residents, families or guardians with a written rationale for the closure, including expected timeframes, divestiture-related resident and family meetings, relocation information, and contact names and telephone numbers for the transition coordinator and state long-term care (LTC) ombudsman.
  3. Send a courtesy notice of closure to the state LTC ombudsman, as well as to service vendors, local hospitals, community organizations and media outlets.
  4. Establish a closure team responsible for identifying local vacancies and community-based services, in addition to assisting residents and families with relocation-related tasks.
  5. Compile a profile on each resident, including but not limited to: Medicaid status, Medicare benefit days remaining, medication profile and upcoming medical procedures or appointments.
  6. Create detailed, resident-centered discharge plans that note functional status, activities of daily living, routines, medication regimens, resident preferences, advanced care directives and necessary interventions.
  7. Coordinate transfer dates and times with receiving facilities, and carefully inventory and label all resident belongings before the date of transfer.
  8. Conduct a follow-up call to facility administrators within 48 hours of a transfer in order to check on the resident's status and answer any questions.

The increase in M&A and divestiture activity has created resident safety and quality of care challenges for aging services organizations during the critical period of transition or facility closure. By anticipating and mitigating transition-related risks, and implementing change in a methodical, coordinated manner, providers can effectively manage the transition period and also fulfill the vital mission of serving their resident population.

Insurance for Healthcare Facilities and Providers

With more than 50 years of experience in the healthcare industry, CNA is a trusted leader and top underwriter of healthcare insurance products and services for a wide spectrum of organizations.

With more than 50 years of experience, CNA is a trusted leader and top underwriter of insurance solutions and services for a wide spectrum of healthcare companies, providers and organizations. We operate across the continuum of care, with expertise that extends from the traditional hospital/physician model to new and emerging healthcare delivery systems.

When it comes time to revisit your malpractice coverage needs, you want to work with a provider that understands your unique insurance needs. CNA recognizes the challenges facing our more than 1 million healthcare customers. We operate at the forefront of change, leveraging our industry-recognized expertise to build the tailored coverages and services that permit you to focus on what's important to you – your patients.

Claim and risk control services are an integral part of the coverage we offer. Our risk control team has significant clinical experience and can provide tools and resources to help you mitigate losses before they occur. Our acclaimed series of claim reports help aging services facilities, hospitals and healthcare providers understand and respond to their malpractice exposures. And our Healthcare claim team deploys its talent and experience in working with internal colleagues dedicated to claims of high severity and complexity, as well as nationally recognized external attorneys experienced in high severity claims, including birth trauma, neurological injury, other catastrophic injury and certain aging services matters.

CNA is the founding member of the National Patient Safety Foundation, and we’ve been named Best Medical Malpractice Provider by National Underwriter's PropertyCasualty 360 and Best U.S. Specialty Lines Insurer by Intelligent Insurer magazine. We take pride in being recognized within the healthcare industry for the products and services we provide, in turn helping healthcare organizations to continue to provide our communities with quality care.


Learn more about our broad portfolio of insurance solutions specialized to meet the needs of your business.

CNA offers a broad portfolio of insurance solutions — from general liability to property to professional and management liability and more — specialized to meet the needs of your business.


Explore our services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

CNA offers an array of services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

Business Insurance Fundamentals

Learn more about how to identify the insurance and services you need to safeguard your business.

Are you looking to learn more about the kinds of insurance coverage you need before you contact your local independent agent or broker? We've developed some helpful resources and tools to get you started.

What kind of insurance do I need?
Identifying the right coverages that address your risk exposures and your greatest challenges is important. To help determine your business insurance needs, use this checklist to help guide your discussion with your independent insurance agent.

What is risk control?
Preventing and controlling risk can be just as important as being properly covered. CNA Risk Control offers a wide range of services focusing on management accountability, cost drivers and business solutions to help you improve your bottom-line profit.

Why use an independent agent?
Dedicated to offering the broadest selection of policies and coverage to best meet their customers' needs, independent agents represent multiple product lines from more than one carrier. CNA is proud to support the Independent Insurance Agents & Brokers of America and their Young Agents Committee. Find a local independent agent for you.

How can I prepare for an emergency?
Learn how to safeguard your business, your employees and your family in the event of an emergency by visiting Resources to Manage & Reduce Risk for online tools and resources from CNA's own business continuity planners and government organizations.

How can I better prepare for my policy renewal?
Your independent insurance agent is your best resource to ensure your business has the proper insurance coverage as it changes and grows year over year. Review this list of 10 items to prepare for your conversation about how your business and its insurance needs have changed since your policy was issued.


Business Interruption

Cyber Liability (Data Breach Liability)

Commercial Auto

Directors & Officers (D&O)

Employment Practices Liability (EPL)

Equipment Breakdown


Life Sciences Product Liability

Medical & Scientific Equipment

Healthcare Professional Liability


Workers’ Compensation

LItigation Counsel

California Medical Provider Network (MPN)

CNA Claim Services

Outcomes Based Network and CNA Selected Providers

Get Informed. Get Prepared. Get PrepWise.

CNA Risk Control Services

Special Investigations Unit (SIU)

Texas Healthcare Network (HCN)

Workers' Compensation Medical Provider Networks

Need more information about managing your business risks?


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