Operator-side. Agency-neutral.
The limit on your declarations page is not the limit at trial.
We read senior care liability programs the way a plaintiff firm reads them. Whether defense erodes the limit. How far the abuse sublimit sits below the real one. Whether the retroactive date still reaches back. Then we rebuild the program around what we find. For skilled nursing, assisted living, memory care, CCRCs and residential care homes.
Start here
Are defense costs inside or outside the limit?
It is the most consequential term in a senior care liability policy and the one operators are least often told about. If nobody can answer it immediately, that is itself the finding, and it is usually not the only one.
Read the full explanationDefense outside the limit
Whole limit reaches the claimant
Defense inside the limit
Defense eats the same bucket
Both bars are the same limit. The split in the second one is illustrative, because how much defense consumes depends on the case, and a senior care case turns on chart review, staffing records, and competing expert testimony. That is the point: on an eroding limit the number on your declarations page is a ceiling on everything, not a ceiling on the settlement. Most general liability written for ordinary businesses is defense outside. Most senior care professional liability is not.
Who is actually setting your requirements
A program built to satisfy one can quietly breach another. And satisfying all four still leaves the structural defects untouched, because no outside party requires you to fix those.
01 / Licensure
Many states require liability insurance as a condition of holding the license, and some prescribe a minimum. Those minimums sit far below what one serious claim costs, so clearing them proves very little.
Licensure requirements02 / Payer
Participation in Medicare and Medicaid brings survey and certification exposure, civil money penalties, resident trust fund obligations, and post-payment billing review. Each has an insurance answer, or a conspicuous gap where one should be.
Payer requirements03 / Lender
An FHA-insured loan under Section 232 turns insurance into a loan covenant. A change made for good operational reasons at renewal can put the borrower out of compliance with the mortgage, and servicers do review.
HUD 232 requirements04 / Landlord
A REIT or private landlord lease specifies additional insured status, waiver of subrogation, primary and non-contributory wording, and often a per-location aggregate. Exhibit drift becomes an event of default without any claim ever occurring.
Lease requirementsWhat Senior Living Liability does
Most senior care insurance problems are not pricing problems. They are structure problems that only surface at a claim. A program moves to a new market at a better premium and the retroactive date quietly advances, leaving years of operations uninsured. An abuse allegation lands against a sublimit a fraction of the size of the headline limit. A portfolio shares one aggregate, and a bad year at one building strips the limits protecting the rest. A memory care community discovers that anything arising out of assault or battery is captured by a sublimit no matter how the claim is pleaded.
None of those show up in a premium comparison. All of them show up in a policy read. So we start with the declarations page, the endorsement schedule, and whatever lease or loan exhibit governs you, and we build the program backward from what those documents actually say. We do not underwrite the risk. Placements run through the specialty markets that write senior care, matched to your care settings, your states, and your loss development.
Coverage by care setting
SNF
The highest-severity setting in senior care, and the one where defense-inside-limits and abuse sublimits do the most damage.
Memory care
Elopement, wandering and resident-on-resident altercation drive a claim profile that a standard assisted living program is not always written for.
ALF
Licensed under fifty different regimes, sold as one product. What the license requires and what a lender requires are rarely the same number.
CCRC
Every level of care under one license structure, usually with bond covenants and a board that carries its own exposure.
IL
Priced as real estate until a resident falls and the claim gets pleaded as professional liability anyway.
Board and care
Six to sixteen beds, often owner-run, and the segment most likely to be carrying a program nobody has read in years.
Home care
No building, but professional liability, auto and wage-and-hour exposure that a facility policy does not answer.
Free coverage requirements analyzer
Select the requirements that bind you, licensure, payer, lender, or landlord, then enter what your program actually carries. The analyzer flags each item, explains why, and links to the reasoning. No email required to see results.
We use this to tailor which requirements you are likely to face. Nothing is recorded yet.
Care settings you operate
Select all that apply. Most operators run more than one.
Your role
Ownership structure
Licensed beds or units
Frequently asked
We are an agency-neutral, operator-side resource for senior care. We read your liability program the way a plaintiff firm will read it, against the outside requirements that bind you and against the structural defects that recur in this class, then match the program to the specialty markets that write senior care. We do not underwrite risk ourselves; the placement runs through those markets.
We are agency-neutral, which means we do not sell a single product or underwrite risk. We review the program on the operator side and route it to the specialty markets that write senior care liability, matched to your care settings and loss profile rather than to a carrier production target.
Skilled nursing, assisted living, memory care, independent living, CCRC and life plan communities, residential care homes, and home care and home health agencies. Most operators run more than one of these, which is why the analyzer lets you select several.
Because the structure is where senior care programs fail. Two programs at the same premium can differ enormously on whether defense erodes the limit, how large the abuse sublimit is, whether the retroactive date reaches back to first continuous coverage, and whether one bad building can exhaust the aggregate protecting all the others. None of that appears in a premium comparison, and all of it decides what happens at a claim.
No. Where a state sets a minimum liability limit as a condition of licensure, it is typically far below what a lender, a landlord, or a single serious claim would require. Clearing it satisfies a filing obligation and tells you almost nothing about whether the program is adequate. The limits question is answered by your own severity exposure and by the requirements written into your loan and lease documents.
Yes, it is free and there is no obligation. Send your declarations page, and the lease or loan insurance exhibit if there is one, and a specialist returns an item-by-item read within one business day. There are no marketing sequences and no list rental.
Free coverage review
A specialist returns an item-by-item read within one business day. No marketing sequences, no list rental.
