Independent Living Home Insurance Coverage Checklist
The coverages an independent living home 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 independent living communities. Priorities reflect typical exposure; confirm against services and transportation.
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 |
|---|---|---|---|
| Commercial General Liability | Covers resident and visitor injuries on premises. | Core | |
| Professional Liability | Needed if the community arranges or provides any care. | Situational | |
| Commercial Auto | Covers resident transportation. | Situational | |
| Commercial Property & Business Income | Covers the building and income during evacuation or closure. | Core | |
| Umbrella / Excess Liability | Adds limits above primary — confirm it follows professional liability. | Prevalent | |
| Workers' Compensation | Required in most states — lifting injuries drive claims. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is professional liability when care creeps in. Independent living communities that help with medications or personal care — or keep residents whose needs exceed the setting — can face care claims their GL policy wasn't written for. Communities should route care through licensed agencies, disclose the care boundary in writing, and answer every emergency call around the clock.
Send us the checklist and we'll review your independent living home coverage line by line, then market it across multiple carriers that compete for your account.
Related: Independent Living Home Insurance · Independent Living Home Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an independent living home business need?
The core coverages for an independent living home business are Commercial General Liability, 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 independent living home 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.