Senior living operator insurance
Senior living operators care for vulnerable residents around the clock, often with tight staffing. Resident falls, elopement and abuse allegations drive the largest claims, while Texas wind and hail pressure the property side.
Our approach
We place senior living insurance for independent living, assisted living and memory care communities, with professional and general liability built for resident care and property programs that stand up to Texas weather.
Exposures we plan around
- Resident falls, pressure injuries and care-related claims
- Abuse and molestation allegations
- Resident elopement from memory care
- Staffing, wage and employment claims
- Wind, hail and fire damage to communities
Coverage in a typical program
Frequently asked questions
Is assisted living liability different from general liability?
Yes. Care-related claims are professional liability. Senior living programs combine professional and general liability so a single incident is not split across two policies.
Is abuse and molestation coverage included automatically?
Often it is excluded or heavily sublimited. We confirm it is included with adequate limits, since these allegations are among the most severe claims in senior care.
How do carriers evaluate a senior living community?
They look at occupancy by care level, staffing ratios, fall prevention and elopement protocols, state survey history, building age and protection, and claims history.
Related industries
Medical offices & medical suppliers
Practices, clinics, DME and supply distributors.
Lessor's risk only (LRO)
Owners of buildings leased to tenants.
Paving & road construction
Asphalt, concrete and heavy civil road work.
Bridge rehabilitation & structural concrete
Bridge decks, overpasses and structural pours.
Traffic signal, work-zone & pavement marking
Signals, work zones, striping and markings.
Wet utilities & directional drilling
Water, sewer, storm and HDD boring.
Underground electric & fiber
Fiber, broadband and underground power.
EIFS, stucco & wall envelope
EIFS, stucco and exterior envelope systems.