Insurance for Assisted Living Facilities

Specialty insurance solutions tailored to your unique needs.
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Strength in coverage, compassion in care.

Longevity in care starts with specialty liability insurance solutions from XINSURANCE.

Could Your Business Benefit from Better Coverage?

Insurance for assisted living facilities serves as a critical support system, offering a safety net against various forms of liability that can arise from the complex nature of care provided. As an establishment dedicated to the well-being of your residents, it’s your responsibility to provide not just exceptional care, but also to secure the trust placed in you by those you serve and their loved ones. Liability insurance is an essential aspect of this trust, as it underscores your commitment to resilience and professionalism in the face of unexpected challenges. It empowers you to operate with confidence, knowing that your dedication to providing a safe and nurturing environment is complemented by comprehensive strategies to mitigate risk.

With XINSURANCE, you align your facility with an insurance partner adept in crafting solutions that underpin your mission to care, protect, and thrive amid the spectrum of uncertainties inherent in assisted living.

Who We Can Help

  • Assisted Living Facilities
  • Residential Care Homes
  • Senior Living Communities
  • Home Care Services
  • Adult Day Care Centers
  • Continuing Care Retirement Communities (CCRCs)
  • And More!
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Assisted Living Facility Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as a service dog or therapy dog. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Insurance for Assisted Living Facilities

Why should I have insurance for my assisted living facility?

You need liability insurance for your assisted living facility to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, insurance may be required.

What is TRU Umbrella insurance, and why might my facility need it?

TRU Umbrella insurance provides an extra layer of liability coverage beyond your existing policies’ limits. It’s a safety net that protects against unusually high losses, ensuring your facility has sufficient coverage for significant claims. Most insurance policies have gaps and exclusions that leave you vulnerable but our TRU Umbrella solution will help provide the coverage you really need.

Are there compliance requirements that impact insurance for assisted living facilities?

Yes, assisted living facilities must adhere to federal, state, and local regulations that can impact their operational practices and, consequently, their insurance needs. Non-compliance can lead to higher insurance premiums or difficulty obtaining certain types of coverage.

How can assisted living facilities prepare for natural disasters, and will their insurance cover these events?

Facilities should have a comprehensive disaster preparedness plan that includes evacuation procedures, emergency supplies, and communication strategies. Insurance coverage for natural disasters depends on the specific policy – many insurance companies exclude floods, wind, wildfire, etc. XINSURANCE, however, can provide coverage solutions for these natural disasters, even in high risk areas such as Florida and California.

How much does liability insurance cost for an assisted living facility?

The cost for assisted living facility insurance depends on several factors, including the facility’s size, location, the services offered, the number of residents, claims history, the types and amounts of coverage selected, and more.

Contact us and tell us more about your insurance needs so we can provide a personalized quote.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Examples of 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
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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service