Assisted Living Facility Insurance Coverage Checklist
The coverages an assisted living facility business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for assisted living communities. Priorities reflect typical exposure; confirm against memory care and medication practices.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional & General Liability (combined) | Covers resident care and premises claims — senior care is usually written on a combined form. | Core | |
| Abuse & Molestation | Covers abuse and neglect allegations — often sublimited; confirm the limit. | Core | |
| Commercial Property & Business Income | Covers the building and income during evacuation or closure. | Core | |
| Workers' Compensation | Required in most states — lifting injuries drive claims. | Core | |
| Commercial Auto | Covers resident transportation. | Situational | |
| Umbrella / Excess Liability | Adds limits above primary — confirm it follows professional liability. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is keeping residents beyond licensed care levels. When a resident's needs outgrow assisted living, falls, elopement, and medication errors become more likely — and claims allege the community should have transferred them. Communities should reassess on every change in condition, use written transfer criteria, and tell families in writing when needs exceed what they can provide.
Send us the checklist and we'll review your assisted living facility coverage line by line, then market it across multiple carriers that compete for your account.
Related: Assisted Living Facility Insurance · Assisted Living Facility Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an assisted living facility business need?
The core coverages for an assisted living facility business are Professional & General Liability (combined), Abuse & Molestation, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my assisted living facility coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.