Independent living
Is independent living priced like an apartment building?
It is frequently placed that way, and that is the recurring finding. A broker treating the asset as apartments with a clubhouse produces a competitive premium and an unaddressed professional exposure.
The tell is in the wording rather than the price. Look for a professional services grant that reaches the resident services you actually provide, hired and non-owned auto, and a named insured schedule that covers the operating entity as well as the property owner.
Placing it through markets that write senior housing costs more on paper and produces a program that answers the claim you will actually have.
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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.
Does offering a wellness program create liability?
It creates an assumed duty. Once staff are checking on residents, there is a standard to meet and a record of whether you met it.
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.
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