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Confident physical therapist assists senior woman in assisted living facility

Vital Insurance for Senior Living Facilities

Staff work tirelessly to assist residents with their daily living requirements as well as checking their health status and distributing medication. In many cases, while staff members carry out their vital tasks, they also worry that a resident might slip and fall or otherwise injure themselves. Insurance for senior living facilities covers slips and falls, and other incidents, so it is essential to the running of such a facility.

If you’re responsible for senior living facilities or nursing homes, you’ll know the monumental amount of work that goes into ensuring that you meet your residents’ needs while ensuring they’re comfortable and safe. Don’t put it all at risk by operating without insurance for senior living facilities. If you’ve had trouble finding insurance, XINSURANCE may be able to help.

Accidents are Common in Senior Living Facilities

Many residents in senior living facilities are vulnerable to falling and other accidents. Environmental hazards such as poor lighting conditions or wet/slippery floors cause 16-27% of falls amongst residents. They are also responsible for 20% of deaths.

Medicaid officials in 30 states fail to review certification and licensing of facilities. As many as 18 states don’t look at the results of site visits. Facilities can easily fall below acceptable standards and become unsafe for residents. And nursing home abuse is also common, with family members responsible for as much as 90% of all elder abuse cases.

What Do These Statistics Mean for Senior Living Facilities?

Those responsible for senior living facilities and nursing homes will have noticed their general liability premiums have gone through the roof. To make life even more difficult, many insurance carriers have exited the market. Getting insurance for senior living facilities can be a real challenge.

This may leave you open to liability claims made against your business. Even if an incident was an accident, or if an injury sustained by a resident was caused by someone who isn’t employed at your senior living facilities, the blame could be considered yours. What can you do to protect your senior living facility?

Customized Coverage

No one should have to perform their job while dealing with the stress of a potential lawsuit, especially a job that takes care of our elderly population. At XINSURANCE, we believe that everyone should enjoy tailor-made liability coverage, even if their occupation or business is classified as high-risk or other insurers have refused them coverage.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Our unique all-in-one approach allows us to look at your operations and experience levels to find a completely customized liability coverage that suits your needs.

Our solutions to insurance for senior living facilities include:

  • Commercial general liability
  • Individual, personal liability
  • Professional liability
  • Alleged sexual abuse and molestation liability
  • Alleged assault and battery liability
  • Business auto (not all states)
  • Property
  • Directors and officers
  • Errors and omissions
  • And more

Want to Know More About XINSURANCE and Insurance for Senior Living Facilities?

Our website provides comprehensive information on our partnership approach as well as more details about our insurance for senior living facilities. You can also view our extensive product line. We provide coverage solutions for many activities and occupations that may find it challenging to find coverage elsewhere.

You can find us easily on the major social media platforms where you can follow us to stay up to date with news and other information:

Keep an eye on our events calendar too. We enjoy attending local events and meeting our customers. If you are in the area, please do come and say hello so that we can get to know you and what you need.

 Need a Quote?

Getting a quote with XINSURANCE has never been easier. You can head to our website and click to receive a quote, or you can email us at info@xinsurance.com. If you’d prefer to talk to a member of our team, then please feel free to call us at 877-585-2853. Our team is highly experienced and friendly. They will give you as much information as you need about our product line so that you can make an informed decision about your protection.

No one responsible for senior living facilities should have to suffer the anxiety and stress that comes with inadequate liability coverage. Your job is vital in keeping our elderly population happy and healthy and we recognize that you shouldn’t have to do it without protection. Nor should you have to fight to get insurance in the first place.

At XINSURANCE, we’re here to help you with customized liability coverage. Get in touch today for a solution built especially for you.


Rick LindseyReviewed by Rick Lindsey, President, Chairman, and CEO of XINSURANCE

Rick Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.