Professional Liability Insurance
Addresses claims tied to the quality of resident care, typically placed with carriers focused on long-term care.
How it worksHealth & Care
Insurance for Assisted Living Facilities
Protect residents, staff, and your facility with coverage built for senior care operations.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Assisted living facilities manage a unique combination of hospitality and healthcare responsibilities, housing residents while also assisting with daily activities like medication reminders and mobility support. Property coverage typically protects the building and its contents, while general liability addresses everyday incidents involving residents, family visitors, and vendors on the premises.
Falls are among the most common and costly claims in senior care, given the physical vulnerability of many residents, and facilities often see repeated exposure from mobility issues, medication mix-ups, or delayed response times. Professional liability coverage designed for senior care operators typically addresses claims tied to the quality of resident care, and is usually placed with carriers experienced in long-term care risk.
Staffing shortages and high turnover in the senior care industry also drive up workers compensation exposure, since aides frequently perform physically demanding tasks like transferring residents. Many facilities pair strong safety training with adequate coverage limits to manage both the frequency and severity of claims that come with caring for an aging population.
Resident falls and mobility incidents
Falls are a leading cause of injury claims in senior care, often tied to mobility issues or inadequate supervision.
Medication and care errors
Mistakes in medication administration or missed care tasks can lead to serious professional liability claims.
Staff injury from resident transfers
Lifting and repositioning residents is physically demanding work that contributes heavily to workers comp claims.
Elopement and wandering incidents
Residents leaving the facility unsupervised, particularly those with cognitive decline, is a significant and closely scrutinized liability exposure.
The coverage stack for assisted living
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
General Liability Insurance
Covers everyday incidents involving residents, visitors, and vendors on the property.
How it worksCommercial Property Insurance
Protects the facility building and contents from fire, storm, and other physical damage.
How it worksWorkers' Compensation Insurance
Covers medical costs and lost wages for aides injured while assisting residents.
How it worksCommercial Umbrella Insurance
Adds a layer of protection given the severity that senior care liability claims can reach.
How it worksWhat it typically costs
Premiums for assisted living facilities typically reflect resident count, level of care provided, and staffing ratios. Memory care units generally carry higher costs due to elevated supervision needs.
| Business size | Typical annual range |
|---|---|
Small residential care home (under 20 beds) Covers a smaller facility with basic assisted living services. | $8,000 – $20,000 / yr |
Mid-size community (20–75 beds) Reflects more residents, staff, and higher liability limits. | $20,000 – $60,000 / yr |
Large community with memory care Covers higher-acuity care and elevated supervision requirements for memory care units. | $60,000 – $150,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Number of residents and bed capacity
- Level of care provided, including memory care
- Staffing ratios and turnover rates
- Claims and incident history
- State licensing and inspection requirements
- Building age and safety features
Assisted Living insurance questions
Ready to compare assisted living quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.