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Senior Living Liability

TL;DR

  • St. Louis City is a separate jurisdiction from St. Louis County, with its own circuit court and its own jury pool.
  • Where a case is filed matters more than where the facility sits, and venue is litigated accordingly.
  • Missouri tort law has been the subject of repeated legislative and constitutional activity; confirm the current position.
  • For a portfolio spanning the region, the geographic distribution of your beds is an underwriting fact.

St. Louis City

St. Louis City senior care litigationa separate jurisdiction from the county, and that distinction is the whole point

Twenty-Second Judicial Circuit

St. Louis City is not part of St. Louis County. It is an independent jurisdiction with its own circuit court, its own jury pool and its own reputation among defense counsel, and the boundary between the two is a few miles of street.

That is why venue is fought over here in a way it is not in most metropolitan areas. A facility in the county and a facility in the city can have the same operator, the same acuity and the same claim, and a materially different expected outcome depending on where the case is heard.

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What actually makes this venue what it is

Jurisdictional separation. Two adjacent jurisdictions with different jury pools and different docket practices, and a plaintiff bar that understands the difference precisely.

Venue litigation. Because the difference is real, plaintiff counsel plead facts supporting city venue and defense counsel move to transfer. That fight is early, expensive and consequential.

Corporate structure as a venue argument. Where corporate decisions were made, where the management company sits, and which entity did what all become venue facts, which is another reason the entity map matters.

Missouri tort reform history. Statutory limits in this area have been enacted, struck and revised repeatedly, so the position at the time of the injury governs and it is not stable across years.

How this shows up in your renewal

Underwriters price the venue rather than the address, and for a St. Louis area operator that means the city buildings drive the rate on the portfolio.

Expect questions about the entity structure and about where corporate functions physically sit, because those facts influence where a case can be brought.

Expect the loss run to be read by location with attention to which jurisdiction each claim was filed in, since that is more informative than the county the building is in.

What an operator in this county should actually do

Know which of your buildings sit in the city and which in the county, and treat them as different risks in your own internal reporting rather than aggregating them.

Map the entities and insure all of them, because the entity map is both a coverage question and a venue question here.

Confirm the current state of Missouri damage limits with counsel before setting a limit, since the position has changed more than once and the applicable rule depends on the date.

Retain defense counsel who try cases in the specific circuit. In a region where two adjacent courts behave differently, venue-specific experience is not a nicety.

The law behind the venue

A venue decides how a case is run. The statutory route, the damages posture and the licensure framework are state law, and they are set out on the Missouri page.

Missouri senior care practice

Operators in this county ask

St. Louis City: common questions

Why does it matter whether we are in St. Louis City or St. Louis County?

They are separate jurisdictions with separate circuit courts and separate jury pools. Defense counsel and underwriters treat them as distinct venues, and the difference in expected outcome between two otherwise identical claims is large enough that venue is litigated in most serious cases.

Can a case about a county facility be filed in the city?

It depends on the venue rules as applied to your corporate structure and where relevant conduct occurred. Plaintiff counsel plead facts about corporate direction and control to support city venue, and defense counsel move to transfer. Expect the question to be contested early.

How should a regional operator handle the split?

Track claims and incidents by jurisdiction rather than by market, insure every entity a plaintiff could name, and size the tower against the more severe of the two venues, since that is where the tail sits.

Go deeper

Free coverage review

Venue is priced into your renewal whether or not anyone explained it.

Send the declarations page and a specialist will tell you whether the tower and the structure fit the courthouse you actually operate in.