Nursing homes care for millions of Americans each year, a number that is only going to grow as more and more baby boomers reach their senior years. Nursing homes liability insurance is similar to medical malpractice insurance in that it protect the nursing home from liability suits brought against it from resident's or their families. Nursing homes face litigation from families seeking compensation and retribution for injury, illness or even death to their family members who are residing there. The shortage of qualified staff, long hours and low pay are some of the causes that lead to instances of abuse that often wind up in litigation. Complaints against nursing homes have risen and also become more public in the past several years, bringing out into the open cases of negligence and abuse. Often, family members do not know about these cases when searching for a home for their elderly relatives. Nursing home liability insurance often pays the claims without the public becoming openly aware of the situation. It isn't that it is hidden; it just isn't exposed on the daily news. Families need to investigate nursing homes for instances of claims being paid before placing anyone in them to live.