Memory care
Can we negotiate a carve-back for resident behavioral incidents?
It is worth asking for, and it is a defensible request rather than an exotic one. Behavioral expressions of dementia are clinically expected features of the conditions memory care exists to serve, so a resident on resident incident is a professional liability claim about assessment and supervision rather than an intentional tort.
Ask first for a carve-back so those claims are treated at the full limit. If a carve-back is unavailable, ask for a materially higher assault and battery sublimit with its own aggregate, sized against the fact that this is a core rather than peripheral exposure.
Underwriters respond to the same evidence here as on abuse: behavioral assessment protocols, unit staffing, de-escalation training records, and a documented process for reassessing residents whose behavior changes.
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More memory care questions
Is elopement covered under our policy?
Elopement is not a named peril. Coverage turns on the professional services definition and on whether a wandering or premises security exclusion has been attached.
Is a resident on resident injury treated as an assault claim?
Often yes, regardless of how it is pleaded, which pulls a core memory care exposure down to the assault and battery sublimit.
What do underwriters want to see from a memory care operator?
Controls, documented. Behavioral assessment, unit-level staffing, secured egress testing, de-escalation training and a practiced missing resident protocol.
Does a secured unit reduce our premium?
The hardware alone does not. The testing record, the drill log and the missing resident protocol are what underwriters actually price.
What happens if a resident elopes and is not harmed?
It is still a reportable event in most states and it still ends up in the record an underwriter and a plaintiff will read.
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