Independent living
What changes if we add assisted living to the campus?
Three things. You acquire a licensure category with its own requirements. You acquire a materially higher-acuity claim profile. And you acquire a transition exposure that did not exist before.
The transition is the one operators underestimate. A claim arising from whether a resident decline was recognized and whether the move to assisted living was timely sits exactly at the boundary between the two levels, and insurance programs assembled around licensure categories put a seam there.
Confirm the professional services definition spans both levels, and confirm every operating entity on the campus is a named insured, so a transition claim does not have to be assigned to one side of an internal boundary before it can be defended.
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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.
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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