Senior Care

Specialized Business Insurance

 

 

Protecting your people, your property, and your purpose.

Senior living is more than a business—it’s a commitment to care. At Gibson, we help you deliver on that promise by protecting what matters most. Our team specializes in insurance and risk management solutions built specifically for senior living communities, from skilled nursing and memory care to assisted living and continuing care retirement communities. 

We partner with leadership teams to identify emerging risks, uncover gaps, and build programs that support long-term performance and peace of mind. With deep knowledge of the industry and access to specialized markets, we help you navigate risk, control costs, and reduce claims—so you can focus on your residents and your mission. 

 

a specialized approach for a complex industry.

As regulatory pressures grow and reimbursement rates decline, managing risk has never been more critical. That’s why Gibson’s senior care team offers integrated solutions that go beyond insurance.  We combine clinical risk expertise, strong carrier relationships, property and valuation analysis, and data-driven limit benchmarking to help you build a program that truly aligns with your operations and risk tolerance, including: 

  • Risk management strategies tailored to your operations.
  • A smarter, strategic approach to risk. 
  • Clinical, property, and environmental risk consulting.
  • Support for claims management and renewal strategy.
  • Guidance for growth, scaling, and organizational transitions. 
Why Gibson?

  • Exclusively focused on senior care. Our dedicated team specializes in senior care and understands the unique risks, regulations, and realities of this industry. 

  • Better access and strategy. We deliver strategic guidance and open doors to limited-distribution GLPL and workers' compensation markets others can't. 

  • More than a policy. With 90+ years of insurance leadership, we provide proactive, advisory service--not just transactions.

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Healthcare by the numbers

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100+

Hospitals

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500+

Physician Offices & Medical Practices

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20,000+

Long-Term Care Facility Beds

 

 

Meet the Senior Care Team

We’ve walked the halls, listened to your concerns, and built solutions that address the realities of your world—tight margins, increasing claims, regulatory complexity, and workforce challenges.

Sara Johnson-1

Sara Johnson

Managing Advisor
Email
224-678-2856
LinkedIn

Craig Heatherly-1

Craig Heatherly

Risk Advisor
Email
574-386-3308
LinkedIn

Josh Lebaron

Josh LeBaron

Risk Advisor
Email
480-217-3985
LinkedIn

Nick Hansen

Nick Hansen

Risk Consultant
Email
801-913-0398
LinkedIn
 

Senior Care: Unscripted

Podcast hosts and Gibson Risk Advisors, Craig Heatherly and Sara Johnson, bring together industry leaders and risk experts to discuss the risk trends affecting senior care for industry owners, operators.

Listen Now

 

 

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Frequently Asked Questions

Have a question? We are here to help.

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Why are we still being penalized for losses tied to previous ownership or management?
The market does not do the work to distinguish between past and present operators. Underwriters see an address and assume continuity. That assumption punishes good operators who inherited bad buildings. We dismantle this bias by documenting operational changes, clinical improvements, governance upgrades, and systemic corrections. When we’re done, the market sees a new operator with new risk behavior, not the ghosts of past ownership.
Why are our premiums rising so aggressively when our internal operations have improved?
Carriers are responding to external distortions rather than your actual performance. Litigation trends, venue severity, staffing volatility, and state-specific regulatory pressure all get baked into your pricing whether they apply to your building or not. Most brokers simply accept those factors. We refuse to. We separate controllable risk from industry noise, prove the improvements you've made, and force underwriters to acknowledge the difference.
How much of our pricing is dictated by the venue we operate in rather than our actual performance?
A significant amount. Some jurisdictions produce inflated verdicts regardless of clinical merit. Carriers overcorrect by surcharging entire counties or states. Your actual operation becomes secondary to the ZIP code. We confront that bias directly, provide data proving your control environment, and negotiate pricing and terms based on your actual risk rather than your geography.
What are the most common operational patterns that lead to preventable claims?
Claims rarely come from catastrophic failure. They originate from operational drift. A lapse in supervision. A missed reassessment. A pattern in falls that goes unaddressed. We analyze trends, identify the points where drift begins, and intervene before claims become predictable. Most brokers stop at insurance placement. We fix the underlying conditions that drive losses.
How early should we start preparing for renewal, and why does it matter?
At least 120 days ahead. Senior living accounts require a strategic narrative, detailed operational review, verified data, and a clear message to underwriters explaining why you deserve better terms than your loss history suggests. Starting late reduces leverage, limits carrier engagement, and results in rushed submissions. We begin early so we control the timeline rather than the market controlling you.
Does implementing risk management technology actually change the way carriers price us?
Yes, when the technology produces real, actionable data and not surface-level reports. Tools that track falls, wounds, elopement risk, medication errors, and response timelines give underwriters objective evidence of control. We integrate these systems, interpret the outputs, and supply underwriters with meaningful trend data. That moves your evaluation from subjective perception to measurable discipline.
Why do brokers keep describing us as “tough to place”?
Most brokers rely on templates, portals, and volume-based marketing. They lack the clinical, legal, and operational expertise required to defend a senior living account in a hard market. When they encounter resistance, they retreat. We do the opposite. We specialize in risks that others avoid. Tough-to-place is not a warning label to us. It is a category we dominate.
How do we know your approach will actually change our insurance outcomes?
We address the root causes of underwriting hesitation rather than the symptoms. We separate you from legacy issues, build a defensible operational narrative, strengthen your claims posture, validate your improvements with data, and take your case directly to decision makers. The market listens to us because we bring clarity, truth, and control when others bring excuses and incomplete files. Results follow because the process is built to withstand scrutiny.
 

Let's Talk Senior Care Insurance.

We're not here to sell. We're here to solve. 

If you’re ready for a smarter, more strategic approach to insurance and risk management, let’s talk. We’ll review your current program and deliver a personalized strategy—often with a quote in 24–48 hours. 

 

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