Resident services
Review professional and general liability around personal care, supervision, medication assistance, activities, and premises safety.
Commercial coverage for assisted living communities
Assisted Living Facility Insurance
Assisted living communities balance residential services, personal care, medication assistance, transportation, hospitality, staffing, property, and resident safety. GLG helps operators review coverage around the services they provide and the residents they support.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Property and operations
Consider buildings, contents, equipment, food service, business income, vehicles, and emergency-response needs.
Employees and information
Address workforce injuries, employment claims, sensitive resident information, cyber events, and vendor dependencies.
Insurance for assisted living and senior care
Assisted living facilities vary by state license, resident needs, services, unit count, staffing model, and ownership. Memory care, independent living, residential care, and continuing care operations should be identified separately so the insurance review matches the actual operation.
- Professional liability and commercial general liability
- Abuse or molestation coverage, when available and appropriate
- Commercial property, equipment breakdown, business income, and extra expense
- Workers’ compensation and employment practices liability
- Cyber liability and privacy-event response
- Commercial auto and resident transportation coverage
- Umbrella or excess liability
Risk information carriers may request
Underwriters may examine resident census, level of care, memory care services, staffing ratios, employee screening, medication assistance, fall prevention, elopement controls, food service, transportation, incident reporting, emergency planning, regulatory history, and prior claims.
Match coverage to services and licensing
Assisted living is not the same as skilled nursing. Policies should reflect the facility’s license, permitted services, resident population, staffing, and any care delivered by employees, contractors, or third-party providers.
Common questions
Assisted Living Facility Insurance FAQ
What insurance does an assisted living facility need?
Facilities commonly consider professional liability, general liability, property, workers’ compensation, cyber, employment practices, commercial auto, business income, and umbrella or excess liability. Actual needs depend on the operation.
Does assisted living insurance include memory care?
Not automatically. Memory care services and units should be specifically disclosed and confirmed because staffing, security, supervision, and resident exposures may differ.
Is assisted living insurance the same as nursing home insurance?
No. Although some coverages overlap, assisted living and skilled nursing involve different licenses, services, resident acuity, and underwriting considerations.
Talk through your options