The goal is to open a conversation about the broader insurance program, demonstrating that we understand the operation at a level that goes well beyond a single line.
Professional and General Liability, Commercial Property, Cyber, D&O, and the lines that sit on top of them, treated as one program. The depth of a multi-line healthcare practice, not a single-line specialist stretching into the rest.
Cascadia HC Group LLC, Cascadia Holdco LLC, the Medicare Advantage ISNP, and the affiliated home health and hospice lines. We build entity-level schedules, shared limits, and additional insured architecture that match how the business actually runs. Not one size fits all.
Properties, fleets, and regulatory exposure span Idaho, Washington, Oregon, Montana, and Arizona. Five states are part of how we work, not a stretch we have to grow into.
Cascadia adds locations on acquisition timelines. Adjusting schedules and securing coverage across all lines on those timelines is something we do routinely. No gap between close and bind.
Insurance Complexity
Operating 45+ skilled-nursing facilities across five states means Cascadia's non-WC P&C program is itself a high-complexity, multi-line challenge. Multi-facility aggregate exposure, a multi-state property footprint with varied catastrophe profiles, and a holding-company structure that drives entity-level program design. Here is the risk picture we see across the lines beyond Workers' Comp.
Multi-Facility Aggregate
Skilled nursing carries some of the highest professional liability claim frequency and severity of any sector. Resident falls, medication errors, pressure injuries, and allegations of neglect. A pattern of claims across multiple facilities aggregates upward, and one bad year can overwhelm an under-layered umbrella tower. CMS and state survey deficiencies sit upstream of litigation risk and renewal terms.
Five Catastrophe Profiles
45+ buildings, many older with significant replacement cost. Each facility carries expensive medical and rehab equipment, specialty furnishings, and patient records infrastructure. Triple-net lease arrangements (common in SNF acquisitions) affect how property coverage must be structured per entity. Properties span five states with different catastrophe risk profiles: earthquake, wind, wildfire.
Holding-Company Architecture
Cascadia HC Group LLC, Cascadia Holdco LLC, wholly-owned subsidiaries, affiliated home health, hospice, home care, assisted living, memory care, plus a Medicare Advantage ISNP. The program spans multiple entities. D&O and regulatory liability layers sit on top of standard SNF exposure, and the ISNP adds a distinct layer of exposure that should be reflected in the tower structure.
Professional & General Liability
Skilled nursing carries some of the highest professional liability claim frequency and severity of any sector. Resident falls, medication errors, pressure injuries, and allegations of neglect. Multi-facility operators face aggregate exposure: a pattern of claims across sites can trigger large umbrella losses. CMS and state survey deficiencies sit upstream of litigation risk and renewal terms.
Professional and general liability for SNF operators is not a commodity line. We approach it with a deep understanding of how claims aggregate, how CMS deficiencies affect renewal terms, and how to structure limits so one bad year does not destabilize the whole program.
Multi-facility operators face aggregate exposure. A pattern of claims across sites can trigger large umbrella losses. We structure shared limits and per-location attachment so the multi-facility profile is absorbed without overpaying for redundant horizontal coverage.
CMS and state survey findings can increase litigation risk and carrier scrutiny. We help clients tell the survey story honestly to underwriters: what was cited, what was remediated, and the operational changes that followed.
Required coverage for any licensed residential care facility, non-negotiable for SNF operators. We place it with the underwriting depth the line deserves, structured to the SNF context rather than wrapped into a generic general liability form.
Commercial Property
Property programs for multi-site healthcare operators require more than a blanket schedule. Forty-five-plus buildings across the Northwest, many older with significant replacement cost. Each facility carries expensive medical and rehab equipment, specialty furnishings, and patient records infrastructure. Triple-net lease arrangements (common in SNF acquisitions) affect how coverage must be structured per entity. Five states means five distinct catastrophe profiles.
Many of Cascadia's 45+ buildings are older structures with significant replacement cost exposure. We coordinate replacement cost valuations with the same fluency as the underlying operations, so the schedule reflects what each facility actually represents.
Each facility contains expensive medical and rehab equipment, specialty furnishings, and patient records infrastructure. Equipment breakdown and BPP coverage are sized and placed alongside the building schedule, not appended to it.
A facility going offline means both revenue loss and patient care disruption. Business interruption coverage is structured to that dual-impact reality, with limits and waiting periods set to the operation, not a generic commercial template.
Properties spanning Idaho, Washington, Oregon, Montana, and Arizona carry different catastrophe risk: earthquake, wind, wildfire. Coverage is layered to the actual peril profile at each location, not a one-state assumption.
Additional Coverages
Professional and General Liability and Commercial Property are the two pillars. The non-WC program rounds out across excess, cyber, leadership exposure, fleet, and the line that is non-negotiable for any licensed residential care operator. Here is how we treat each one.
Your Team
Team Lead
Logan Haugen
SVP, Commercial Lines / Team Haugen Lead
Schedule a working session with Logan Haugen and the HUB team to walk through how we would structure Cascadia's broader P&C program: Professional and General Liability, Commercial Property, Umbrella, Cyber, D&O, Commercial Auto, and Sexual Abuse and Molestation, designed entity-by-entity across all five states.
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