Promont

Good Operators in Good Venues Belong in Better Programs

 

Reduced Friction Coverage for Assisted Living and Skilled Nursing

Most operators are not looking for shortcuts. They are looking to avoid unnecessary friction.

The traditional GLPL application process is often burdensome, duplicative, and disconnected from how facilities actually operate. Lengthy questionnaires do not always produce better outcomes. They just consume time and energy. Promont’s offering removes that burden.

This program allows assisted living and skilled nursing operators to obtain credible general and professional liability terms without completing a full GLPL application. The underwriting is focused, disciplined, and proportional to the risk being evaluated.

This is not the only option. It is a starting point. We deploy this as a low friction way to engage the market. Operators can review real terms with minimal effort. If the structure and pricing make sense, the path forward is clear. If deeper underwriting or alternative programs are warranted, we already have momentum and context.

Good operators should not be punished with excessive paperwork just to see if a program fits. This approach respects your time while preserving underwriting integrity. Streamline Access is one tool in a broader toolkit that includes comprehensive underwriting, proactive risk management, and risk rehabilitation when needed. It opens the door without forcing commitment.

 

Who Qualifies?

This program is designed for smaller, operationally focused portfolios where improvement drives outcomes.

Target Facilities
Skilled Nursing and Assisted Living Facilities with 1 to 5 locations, up to 200 beds per location.

Operational Profile
Mildly distressed facilities with manageable deficiencies or claims activity. Operators willing to engage in improvement, not avoidance.

Program Intent
This offering is built to support facilities committed to improving quality of care, strengthening compliance, and increasing occupancy. As operations improve, insurance costs follow.

 

Program Highlights

Standard Limits 

of $1 million per occurrence and $3 million aggregate, with lower limits available

 

$25,000 Minimum

premium for Professional and General Liability

Professional and General Liability

written on a Claims Made basis, with General Liability Occurrence available.

$10,000

minimum retention

Why Gibson?

Gibson is known for taking on the work most brokers avoid. Distressed risk. Hostile venues. Broken narratives. That is our reputation.

We also know when simplicity is the right answer.

We remove friction when the risk earns it. Promont allows us to offer disciplined operators a cleaner, easier path to terms without forcing them through unnecessary process. Good operators in acceptable venues should not be punished with paperwork.

We protect underwriting integrity while simplifying access. Because we understand how senior living risk is actually judged, we know what matters and what does not. That lets us streamline responsibly, not recklessly.

We deploy Promont as an intentional tool. This is not a catch all solution. It is used where the profile fits. When it does, operators get access and clarity with minimal lift.

Gibson’s edge is judgment. Knowing when to rebuild, when to defend, and when to simply get out of the way.

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What is Promont’s Value Add?

Promont’s underwriting philosophy already assumes that communication failures drive a disproportionate share of claims, survey issues, and family complaints. How’s Mom directly addresses that exposure.

This is not an add-on technology pitch. It is risk control that supports the underwriting thesis.

By centralizing family updates and documentation, operators reduce undocumented verbal communication, eliminate fragmented follow-ups, and create a consistent record of care communication. That aligns with how Promont valuates operational maturity.

Because the platform can often be included within the insurance placement, the operator is not negotiating a separate budget decision. They are strengthening their operational profile inside the insurance program they already need.

Operational Efficiency

How’s Mom replaces a patchwork of calls, voicemails, and chart notes with a single communication workflow. At roughly $450 per month, the platform delivers coverage for work that no operator could staff efficiently at market wages.

The outcome is reduced labor drag, fewer complaints, and better family satisfaction, all of which directly support cleaner renewals and stronger underwriting outcomes within the Promont program.

Clinical Capacity Framing

Promont understands that staffing pressure is not just a cost issue. It is a risk issue.

Reclaiming approximately 128 hours per month per license gives clinical teams breathing room. That time shows up as fewer interruptions, better documentation, stronger survey readiness, and lower burnout.

Those are exactly the signals Promont wants to see when evaluating account stability and long-term insurability.

 

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Promont
Frequently Asked questions

Who is this program actually built for?
Small to mid sized Skilled Nursing and Assisted Living operators with one to five locations and up to 200 beds per facility. It is designed for operators who are engaged, improving, and willing to address deficiencies rather than avoid them.
Is this program limited to perfect operators?

No. The program is intentionally built for mildly distressed facilities with manageable claims or survey issues. Operators who are actively improving quality of care and compliance are the right fit.

What type of operator does not fit this program?

Facilities in high litigation venues, operators with chronic unmanaged losses, or groups unwilling to engage in operational improvement are not a fit.

How does Promont view claims history?

Claims are evaluated in context. One off events, legacy ownership issues, or correctable operational failures are treated differently than systemic neglect.

Why does Promont focus on smaller portfolios?

Smaller portfolios allow for closer alignment between underwriting, operations, and improvement. This structure supports better outcomes for both the operator and the insurer.

What does success look like in this program?

Improved compliance, stronger clinical processes, stabilized claims, increased occupancy, and reduced insurance costs over time.

How does Gibson add value beyond placement?

Gibson works alongside Promont to help operators identifyoperational gaps, improve quality, and translate those improvements intounderwriting credibility and better terms.

Let's Talk.

If you’re ready for a smarter, more strategic approach to risk management, business insurance, and employee benefits, let’s talk. We’ll review your current program and deliver a personalized strategy.