Liability insurance for assisted living facilities is available through several solutions. General liability protects your organization from liability due to bodily injury and property damage. Common claims for this coverage are due to injured residents or guests on the premises or parking lot. Another common exposure is foodborne illness associated with a cafeteria. Professional liability protects your business for professional services offered such as administering medications and other care-related exposures. Umbrella liability is available as an extra layer of protection over your general liability, professional liability, auto liability, and even workers compensation, to increase policy limits. Umbrella liability is available from $1,000,000 to $50,000,000 and higher.
General Liability
- Blanked additional insured status, when required by contract
- Assault
- Liquor liability
- Property damage to property of others while in your care
Abuse or Molestation Insurance
- Broad limits
- Available on either occurrence or claims-made basis
- Innocent employee, volunteer, and student-in-training expense coverage
Professional Liability
- Broadest scope of operations available
- Protection for your employees, volunteers, and even students
- Occurrence or Claims Made forms
Umbrella Liability