Connect coverage to the actual operation
A continuing care retirement community can combine multiple entities, buildings, service levels, contracts, employees, vehicles, technology systems, and revenue streams. Coverage should be coordinated across professional liability, general liability, property, business income, cyber, crime, D&O, EPLI, workers' compensation, auto, and umbrella or excess layers.
Risks to review
- Different care levels, admissions, transitions, contracts, and professional services
- Large campuses, multiple buildings, catastrophe concentration, and evacuation
- Governance, resident agreements, finances, employment, and regulatory allegations
- Shared technology, vendors, payments, transportation, and operational dependencies
Information to prepare
- Entity and ownership chart, contracts, service levels, beds, units, and occupancy
- Building schedule, values, income, protection, utilities, and continuity plans
- Staffing, credentials, care protocols, vehicles, vendors, and technology
- Financials, resident agreements, claims, circumstances, and current policies
Frequently asked questions
Why is an entity chart important?
It helps identify which organizations own property, employ staff, contract with residents, deliver services, operate vehicles, and should be considered in each policy.
Can one umbrella policy solve every liability gap?
No. Umbrella and excess coverage depend on scheduled underlying policies, definitions, exclusions, attachment points, and follow-form wording.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.