Insurance For Assisted Living Facilities and Senior Living Centers

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Insurance For Assisted Living Facilities



As the Baby Boomer population continues to age, more people are moving to senior care communities like assisted living facilities and nursing homes. If you own or operate one of these facilities, the care and comfort of your residents is certainly your top priority. You understand that the residents and their family members put their trust in your staff to attend to their needs, and you do everything possible to meet their expectations.

Being responsible for assisted living facilities is a big responsibility. Preparing meals, monitoring health, supervising medication, offering help with daily living and more are all things that long-term care facilities are responsible for. With so many important duties, accidents or incidents are bound to happen. “Assisted living claims are paying out more than skilled nursing claims, on average,” according to McKnight’s Senior Living.

Because of the significant risk that senior housing facilities face, carrying an adequate amount of liability insurance coverage is essential. Insurance for assisted living facilities from XINSURANCE offers a cost-effective risk mitigation solution to protect your business assets and give you peace of mind.

insurance for assisted living facilities
insurance for assisted living facilities


What Is Assisted Living Facility Insurance?

Assisted living facility insurance is your business’s best defense against lawsuits and other liability claims. Your plan will provide compensation to third parties — typically residents of your facility or their families — due to covered accidents or injuries resulting from the negligent acts of your employees. In addition, it will help pay for your legal defense if a case against your facility goes to court. You can also attain coverage for your property and other areas of your operation.

Examples of the types of insurance for senior living facilities include:

  • General and professional liability: Commercial general and professional liability insurance are a must-have for any senior living facility. CGL coverage encompasses a broad range of liability risks involving bodily injury and damage to the property of others. Professional liability, also known as errors and omissions (E&O), covers negligent acts that occur during the administration of professional or medical services at your facility.
  • Commercial property: A property insurance policy covers your facility when damages occur due to events such as fires, storm damage and burst water pipes. It helps protect your building, inventory, equipment and furniture, landscaping, and outdoor signage. Plans are also available that cover the personal property of your residents.
  • Business auto: This type of insurance (not available in all states) covers accidents when your employees are transporting your residents in a vehicle owned by your facility.
  • Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.

Examples of Potential Assisted Living Facility Insurance Claims

Here are some examples of situations where a comprehensive insurance plan can mitigate your risk:

  • A member of your nursing team administers an incorrect dosage of medication that leads to a serious illness or the death of a resident
  • A resident or family member alleges that a staff member sexually abused or molested the resident
  • A passenger van owned by your facility is involved in an accident while transporting residents
  • You fail to secure the memory care area of your facility, and a resident with dementia wanders and incurs an injury
  • An employee or visitor steals the personal property of one of your residents
  • A resident suffers a severe injury after slipping and falling on a wet spot while walking down a hallway
  • A boiler explosion causes significant damage to the interior of your facility

Types of Coverage Available to Assisted Living Facilities and Senior Centers

We provide customized insurance solutions through an all-in-one approach to fit your needs. You can have the coverages below under one policy:

  • Commercial General Liability
  • Individual/Personal Liability
  • Professional Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Alleged Assault & Battery Liability
  • Business Auto (not available in every state)
  • Property Coverage
  • Directors & Officers
  • Errors & Omissions
  • And More

Please note we do not provide workers compensation.

What Types of Facilities Can Attain Coverage?

Insurance for senior living facilities is available for the following:

  • Assisted living facilities
  • Nursing homes
  • Active adult communities
  • Senior apartments and condominiums
  • Skilled nursing facilities
  • Independent living facilities
  • Continuing care retirement communities
  • Adult foster homes
  • Personal care homes


Whether it’s negligence, medical malpractice, alleged sexual abuse or molestation, why leave you or your facility open to liabilities? With Insurance for Assisted Living Facilities, we can help cover those gaps that leave you and your business vulnerable. We provide liability insurance solutions for the most difficult risks. If you have been declined, canceled, or non-renewed by your carrier, we can help you find a plan that will give you the protection and peace of mind you’re looking for.

Our all-in-one approach to liability insurance sets us apart from our competitors. We can provide a comprehensive plan tailored to your facility’s unique requirements. No risk is too big or too small for XINSURANCE — we’re able to offer liability limits of up to $10 million in-house, with higher limits available.




Insurance for Assisted Living Facilities

Environmental hazards such as equipment in the hallways, poor lighting, wet floors, cause 16-27% of falls among nursing home residents.

Insurance for Assisted Living Facilities

According to the Government Accountability Office, Medicaid officials in 30 states do not routinely review the licensing and certification of facilities, and 18 don’t look at the results of site visits.

Insurance for Assisted Living Facilities

In 2014, there were more than 30,000 assisted living facilities with more than 800,000 people living in one.

Get Started With a No-Obligation Quote

Whether you need insurance for active adult communities, nursing homes or any other type of senior living facility, you’ll appreciate our fast, hassle-free quote process. Start by filling out our online application form with information about your facility and the potential risks you face. Our underwriting team will discuss your situation with you in further detail. After the call, we’ll furnish a quote for your review.

Request a free quote for senior living facility insurance to get started today!

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