Assisted living
Can we use one medication administration policy across several states?
You should not. In assisted living, medication administration is frequently delegated to unlicensed staff under state-specific delegation rules, and what may be delegated, who may supervise it and what must be documented differ substantially between states.
A multi-state operator running one national policy has by definition written a policy that does not match at least some of its states. When a medication error occurs there, the claim arrives with a regulatory violation attached, which is materially harder to defend and more likely to attract a heightened-conduct count.
Write the policy state by state and make the training record reflect which version each staff member was trained on. That record is what a surveyor asks for, what defense counsel needs, and what an underwriter reads as evidence of management quality.
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More assisted living questions
Does my state require an assisted living facility to carry liability insurance?
Many states do, some prescribe a minimum limit, and several set no stated minimum at all. Verify with your licensing agency rather than any secondary source.
What is a negligent admission or retention claim?
An allegation that the facility accepted or kept a resident whose needs exceeded what its license, staffing or building could safely meet.
What changes on our insurance when we open a second building?
The aggregate stops being academic. With one building, whether the annual aggregate is shared or per location makes no difference. With two it decides everything.
Do we need abuse coverage if we have never had a claim?
Abuse produces the largest verdicts and the most publicity in this industry, and the sublimit is where programs most often fail.
Is a business owners policy enough for an assisted living facility?
No. A general business policy has no adequate professional services grant, which is the exact coverage a negligent care claim requires.
Does adding a memory care wing change our insurance?
Yes, and adding the unit to a schedule of locations is not the same as underwriting it. Two exposures distinguish memory care and neither is addressed by an assisted living program.
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