Assisted living
What changes on our insurance when we open a second building?
The aggregate basis stops being academic. With one building, whether the annual aggregate is shared across locations or applies separately to each makes no practical difference. With two or more, it decides whether a bad year at one building consumes the limits protecting the others.
That matters in senior care specifically because claim frequency is usually driven by facility-level causes, principally staffing, which means one building genuinely can produce several claims from the same root cause in the same year.
Ask for a designated location general aggregate endorsement and confirm it is actually attached rather than referenced in a proposal, with every current building on its schedule. An operator who acquires a building mid-term can end up with an endorsement covering the original locations and silently omitting the new one.
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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.
Can we use one medication administration policy across several states?
No. Delegation rules differ by state, and a single national policy built to the most permissive state creates violations everywhere else.
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.
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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