Independent living
What covers resident transportation?
Auto liability, and the coverage most often missing is hired and non-owned auto, which responds when a staff member drives a personal vehicle on community business.
Two things make this exposure larger than the fleet size suggests. Transporting frail and partly non-ambulatory residents converts an ordinary accident into a severe injury claim, and wheelchair securement and lift operation add failure modes an ordinary fleet does not have.
Confirm hired and non-owned coverage is included, and confirm your driver qualification and motor vehicle record checking practice matches what the policy assumes. A mismatch there is a common declination point after a loss.
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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 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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