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  • Open to qualified long-term care facilities in 46 states.
  • Stock purchase required/one time charge ($50 per licensed bed for Skilled Nursing Facilities, Intermediate Nursing, Asssisted Living Facilities, and Continuing Care Retirement Communities).
  • Shareholder must accept risk management and claims protocols.


  • Access to quality coverage.
  • Competitive prices.
  • Book value of stock doubled since inception.


  • $250,000/$500,000
  • $500,000/$1,000,000
  • $1,000,000/$3,000,000


  • Claims-made form.
  • Punitive damages excluded.
  • One-year maximum term.
  • Risk management protocols.
  • Claims management protocols.
  • Defense cost inside the limits.
  • Occurrence Form.
  • Per-claim minimum deductible: $0.
  • Per-claim maximum deductible: Negotiable.
  • Annual premium subject to underwriting.
  • Premium payment due prior to binding coverage.
  • Million dollar limits subject to alternate program terms.
  • Sexual/physical abuse sub limit: Up to $1 million.
  • "A" rated reinsurance.


  • SNF and/or ALF Application for each location.
  • Five years’ loss runs valued within 90 days.
  • Latest state survey, life safety code report, plan of corrections, and compliance form plus any compliant surveys and/or follow-up surveys for the past year.
  • Current HCFA 671 & 672 (Skilled Nursing and/or Intermediate facilities only).
  • Quality indicator reports (Skilled Nursing Only).
  • Oscar reports (Skilled Nursing only).
  • Current state license.
  • Most recent financial statements.
  • Skin care protocols.
  • Copy of elopement procedures.
  • Resumes of Administrator, Director of Nursing, and Risk Manager.


  • Subscription agreement/signature required.
  • Shareholder’s agreement/signature required.
  • Acknowledgement of offering statement/signature required.
  • Signed Proxy.
  • Check made out to Lewis & Clark LTC RRG, Inc. for shares of stock.
  • Check made out to Uni-Ter Group for Risk Management fees.
  • Check made out to Lewis & Clark LTC RRG, Inc. for premium.