Independent living
Does offering a wellness program create liability?
It creates an assumed duty, which is enough. A daily wellness check establishes that someone was supposed to look. Once that duty exists, the question in any claim is whether it was discharged, and the answer comes from your records.
That is not an argument against offering wellness services; they sell the product. It is an argument for making sure the program you promise is the program you can consistently deliver, because whatever the marketing materials and residency agreement say is the standard you will be measured against.
Reviewing marketing copy against operational reality is one of the cheapest risk management exercises available in this setting, and almost nobody does it.
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More independent living questions
Do we need professional liability if we have no care license?
Yes. Coverage follows the allegation, not the license, and wellness checks and call systems create an assumed duty a plaintiff can build on.
Is our emergency call system data discoverable?
Yes, and in a case about a resident found after a fall it is frequently the single most important document.
What covers resident transportation?
Auto liability, including hired and non-owned for staff driving personal vehicles. Transporting frail passengers turns an ordinary accident into a severe injury claim.
What changes if we add assisted living to the campus?
You acquire a licensure category, a different claim profile, and a transition exposure at the boundary between the two levels.
Is independent living priced like an apartment building?
Often it is placed that way, which is the problem. A program placed as multifamily typically has no adequate professional services grant.
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