Senior Living & Assisted Care Facilities
Risk management for professional residential care properties, integrating property protection with specialized medical-professional liability.
Operational Risk Profile
Senior living and assisted care facilities face some of the most complex liability environments in the real estate sector. In addition to standard property and habitational risks, operators assume a strict duty of care for highly vulnerable populations. Key exposures include high-frequency resident falls, elopement risks, strict state regulatory compliance, and severe allegations of professional negligence or abuse.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Professional Liability (Medical Malpractice)
Essential coverage addressing errors, omissions, or negligence in the delivery of healthcare or daily living assistance to residents.
General Liability & Abuse/Molestation Coverage
High-limit protection against third-party bodily injury, including dedicated endorsements to defend against allegations of physical or emotional abuse.
Commercial Property & Business Interruption
Necessary to rebuild specialized medical infrastructure and fund alternative resident housing in the event of a catastrophic facility loss.
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