TL;DR
About and methodology
Senior Living Liability exists to read senior care liability programs the way a plaintiff firm reads them, and to translate what licensure, payers, lenders and landlords actually require into a program that answers all of it. This page explains how the practice is structured and how its content is researched, so you can judge the credibility of what you are reading here for yourself.
What we are
Senior Living Liability is a specialty insurance practice built around one part of the market: senior care operators, from skilled nursing and assisted living through memory care, continuing care communities, residential care homes and home care agencies. We are agency-neutral, meaning we are not aligned with a single insurance company and do not have a house program we default every operator into regardless of fit.
We are operator-side, meaning our starting point is your documents rather than a product. The declarations page, the endorsement schedule, and whatever lease, loan or bond covenant governs you, read first, and the program built backward from what they actually say. We do not underwrite risk. Placements run through the specialty markets that actively write senior care nationwide, and our job is matching your real requirements to the market built to satisfy them while explaining the tradeoffs in plain language.
How this content gets written
This site does not attribute its content to a single named author. That is deliberate rather than an oversight. The expertise behind it is institutional, built across placements, renewals, declined submissions and lender pushbacks handled by the practice over time. Attaching a specialty insurance article to one person byline overstates what any individual actually knows and understates how the answer was really produced, which is by reading the source document rather than recalling it.
Every page follows the same process. Identify the primary source that governs the question, whether that is a CMS regulation at 42 CFR Part 483, a HUD Section 232 program obligation, a state licensure regulation or elder abuse statute, or an actual policy form. Read what it says. Then write the translation.
Where a number cannot be traced to something defensible, we publish a range with the reasoning behind it, or qualitative framing instead of a number at all. That rule has real consequences on this site: the obvious study in this vertical, a table of statutory licensure insurance minimums by state, is not published here yet because every cell of it has to be read at the current regulation first. We would rather have a missing table than an invented one.
The rules this site holds itself to
The first three are checked automatically before anything ships. A page containing a carrier name fails the build rather than reaching a reader.
What we get paid for
Senior Living Liability is compensated the way any insurance agency is compensated: through standard commission when an operator places coverage through the specialty markets we work with. There is no charge for reading this site, running the coverage requirements analyzer, or requesting a coverage review.
There is no lead resale, no marketing sequence, and no arrangement that pays us to steer an operator toward one market over another regardless of fit. If the honest answer to your question is that your current program is fine, that is the answer you will get, and it costs you nothing to have asked.
Common questions
No. Senior Living Liability is an agency-neutral, operator-side specialty practice. We do not underwrite risk. Placements run through the specialty markets that write senior care liability nationwide, matched to the care settings you operate, your states and your loss development.
Content is produced by the practice as an institutional body of work, read against primary sources, CMS regulations, HUD program obligations, state statutes and actual policy forms, rather than attributed to a single individual byline. Specialty insurance expertise is institutional, built across placements, renewals and declined submissions, and we think representing it that way is more honest than attaching one name to it.
Through standard insurance placement commission when an operator places coverage through the specialty markets we work with, the same way any insurance agency is compensated. There is no charge for the content, the coverage requirements analyzer, or a coverage review, and no lead resale.
Statutes are public, checkable, and the reason a claim is worth what it is worth. Carrier names are neither useful to an operator making a structural decision nor appropriate in agency-neutral public copy under state insurance advertising rules. So we name the law and describe markets generically.
Free coverage review
An item-by-item read from a specialist within one business day. No marketing sequences, no list rental.