Connect coverage to the actual operation
Assisted living communities combine residential property with care and supervision services. The insurance review should identify resident acuity, licensed services, staffing, medication assistance, falls, elopement, transportation, emergency plans, professional liability, abuse or molestation provisions, cyber exposure, and the financial effect of a partial or complete closure.
Risks to review
- Resident falls, injuries, supervision, medication, and care allegations
- Staffing, credentials, training, turnover, and employment practices
- Fire, water, severe weather, evacuation, and interrupted services
- Resident records, payments, vendors, cyber incidents, and funds-transfer fraud
Information to prepare
- Licensed beds, occupancy, resident acuity, services, and locations
- Employee and contractor roles, shifts, credentials, turnover, and training
- Care, medication, fall, elopement, abuse-prevention, and incident procedures
- Property values, revenue, vehicles, cyber controls, losses, and current coverage
Frequently asked questions
Is general liability enough for assisted living?
General liability may address premises exposures, but resident care and professional-service allegations often require specialized professional liability treatment.
Why do licensed beds and resident acuity matter?
They help describe the population, services, staffing, supervision, severity, revenue, and operational responsibilities being insured.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.