Connect insurance to the operation
Assisted living facility insurance should connect resident care and supervision with professional liability, premises safety, staffing, property, vehicles, cyber risk, regulatory responsibilities, and the need to operate without interruption. Insurance planning for resident care, professional services, employees, property, transportation, technology, and continuous operations.
Business and ownership information
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Exposure schedules and financial inputs
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Loss runs, controls, and requested effective date
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Risks that deserve specific attention
Resident injury, care, supervision, medication, and professional liability allegations
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Employee injury, employment practices, abuse or molestation allegations, and staffing pressures
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Fire, severe weather, water damage, cyber incidents, transportation, and operational interruption
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Coverage areas to coordinate
Professional and general liability with appropriate resident-care provisions
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Property, business income, equipment breakdown, cyber, crime, and commercial auto
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Workers' compensation, EPLI, D&O, umbrella or excess, and abuse or molestation coverage where available
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Build a useful submission
- Describe every operation, ownership entity, location, service, customer type, and material change since the prior policy began.
- Provide current revenue, payroll, values, vehicles, equipment, contracts, and currently valued loss information when available.
- Explain significant claims, near misses, corrective action, safety procedures, training, maintenance, and management oversight.
- Identify requested effective dates, contract deadlines, lender or landlord requirements, desired limits, and deductible preferences.
Questions the review should answer
How will the program address resident injury, care, supervision, medication, and professional liability allegations?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address employee injury, employment practices, abuse or molestation allegations, and staffing pressures?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address fire, severe weather, water damage, cyber incidents, transportation, and operational interruption?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
Frequently asked questions
What information helps prepare a Assisted Living Facilities insurance quote preparation checklist review?
Start with a clear description of the operation, locations, ownership, revenue, payroll, property, vehicles, contracts, current insurance, and loss history. For assisted living facilities, pay particular attention to resident injury, care, supervision, medication, and professional liability allegations, employee injury, employment practices, abuse or molestation allegations, and staffing pressures, fire, severe weather, water damage, cyber incidents, transportation, and operational interruption.
Which policies commonly deserve attention for assisted living facilities?
The starting coverage areas include professional and general liability with appropriate resident-care provisions, property, business income, equipment breakdown, cyber, crime, and commercial auto, workers' compensation, epli, d&o, umbrella or excess, and abuse or molestation coverage where available. Actual needs depend on the operation, contracts, locations, people, property, vehicles, services, and available market terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.