Connect coverage to the actual operation
Independent senior living may resemble multifamily housing but can also include meals, activities, wellness programs, transportation, emergency response, housekeeping, and other services. Every service should be described so the policy does not rely on an inaccurate apartment-only classification.
Risks to review
- Premises, accessibility, falls, common areas, pools, and amenities
- Transportation, activities, events, food service, and wellness programs
- Property, equipment, utilities, severe weather, and loss of income
- Resident information, payment systems, cyber, and vendor interruption
Information to prepare
- Units, occupancy, resident criteria, locations, and amenities
- Services, activities, dining, transportation, and emergency response
- Building values, rents, income, system updates, and catastrophe protection
- Employees, vendors, contracts, cyber controls, and loss history
Frequently asked questions
Is independent senior living insured like an apartment complex?
Not always. Meals, transportation, wellness, emergency response, activities, and resident services can change the liability and underwriting profile.
When should professional liability be reviewed?
Review it when the organization provides or arranges services that could create allegations of professional error, advice, care, supervision, or failure to act.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.