Memory Care Facility Insurance Coverage Checklist
The coverages a memory care 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 memory care communities and secured dementia units. Priorities reflect typical exposure for this class; confirm against your actual operations.
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 |
|---|---|---|---|
| Healthcare Professional Liability | Covers elopement, fall, and medication claims arising from resident care. | Core | |
| General Liability | Covers visitor and premises injuries outside resident care. | Core | |
| Abuse & Molestation — Full Limits | Resident-on-resident and staff abuse claims are frequent and often sublimited. | Core | |
| Umbrella / Excess (Abuse Follows Form) | Elopement settlements have reached twice the primary limits. | Core | |
| Workers' Compensation | Residents cause most serious assaults on care staff. | Core | |
| Property & Equipment Breakdown | Covers the building and the locks, alarms, and life-safety systems. | Core | |
| Employment Practices Liability | High turnover and staff-injury disputes drive claims. | Prevalent | |
| Regulatory / Licensing Defense | State surveys and citations follow serious incidents. | Prevalent | |
| Cyber / Privacy Liability | Covers resident health and financial records. | Prevalent | |
| Hired & Non-Owned / Commercial Auto | Needed if residents are taken on outings or appointments. | Situational | |
| Directors & Officers Liability | Needed for nonprofit or investor-backed owners. | Situational |
The coverage gap most often missed
The gap most often missed by memory care operators is an abuse sublimit that stops at the primary policy. Resident-on-resident deaths and staff abuse allegations fall under abuse exclusions, and WTW's 2026 senior living outlook urges buyers to carry abuse coverage all the way up the excess tower. Confirm the abuse limit, whether the umbrella follows it, and whether punitive damages are excluded.
Send us the checklist and we'll review your memory care facility coverage line by line, then market it across multiple carriers that compete for your account.
Related: Memory Care Facility Insurance · Memory Care Facility Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a memory care facility business need?
The core coverages for a memory care facility business are Healthcare Professional Liability, General Liability, Abuse & Molestation — Full Limits, Umbrella / Excess (Abuse Follows Form), Workers' Compensation, Property & Equipment Breakdown. 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 memory care 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.