Properly Insuring Your Assisted Living Facility

assisted living liability insurance

Assisted living facilities combine residential housing and medical care for aging patients who can no longer live at home. While these communities have residents of varying levels of ability, assisted living liability insurance is important as staff interacts with patients daily.

Services Offered by Assisted Living Facilities

Offering around the clock supervision assisted living facilities to help patients to live as independently as possible. The main responsibility of the staff is to monitor and supervise the activities of residents to ensure safety, but other services provided by staff can include:

Assistance with daily living activities
Personal care services including bathing and dressing
Management of medications
Exercise programs
Assistance with scheduling healthcare appointments
Transportation to and from appointments

Types of Insurance for Assisted Living Facilities

The needs of each facility vary, but in general, policies for assisted living liability insurance should include:

General liability: This protects the business in cases of non-medical claims, which can include accidents on facility grounds.

Professional liability: This protects the business and its employees during medical-related lawsuits.
Business auto liability: This protects the company and driver when a company vehicle is used to transport residents.

Assisted living facilities provide a wide range of services to residents, and with the proper liability insurance, a company can feel confident that their employees are protected in case of legal claims.

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