4 min read
The Complete Guide to Insurance for Assisted Living Facilities
Quick answer: An assisted living facility needs a layered insurance program, not a single policy. The core coverages...
SENIOR CARE INSURANCE
Assisted Living Facility Insurance
A layered program built for hands-on senior care, covering liability, professional, property, abuse and molestation, and more. We design and place coverage for assisted living operators nationwide.
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★ Licensed In 40+ States ✓ Abuse & Molestation Experts ★ Top-Rated Carriers ✓ Independent Brokerage
Quick Answer: Assisted living facilities need a layered insurance program built around general liability, professional (malpractice) liability, commercial property, workers compensation, commercial auto, business interruption, cyber liability, and dedicated abuse and molestation coverage. Pro Insurance Group designs and places these programs for assisted living and senior care operators nationwide, matching coverage to your acuity, services, and budget. Call 833-776-4671 or request a free coverage audit.
PROOF IT WORKS
We Saved A Florida Facility Over $20,000 A Year
And improved their coverage at the same time. See exactly how we restructured the program.
As an assisted living operator, your mission is safe, compassionate, dependable care. But growing oversight, rising liability, and regulatory complexity mean protecting your facility goes far beyond good intentions. It demands a comprehensive, well-structured program. Whether you run a boutique care residence or several regional centers, we help you identify and mitigate risk with coverage matched to the level of care you actually provide.
Coverage We Provide
A complete program designed around the real exposures of senior care.
General Liability
Protects against third-party claims like visitor injuries and, critically, resident slip-and-fall lawsuits, the most common claim facilities face.
Learn more →Professional Liability (E&O)
Covers claims of negligence or errors in care, from medication dispensing to hygiene assistance, where hands-on services create exposure.
Learn more →Abuse & Molestation
One of the highest-severity claims a facility can face. Most policies exclude it or apply a low sublimit, so it deserves a dedicated, adequate limit.
Learn more →Commercial Property
Covers buildings, equipment, and contents from fire, storms, theft, or vandalism so you can recover and reopen quickly.
Learn more →Workers Compensation
Covers medical care, rehabilitation, and lost wages when staff are injured lifting residents or managing emergencies, and keeps you compliant.
Learn more →Employment Practices (EPLI)
Protects against employee claims of wrongful termination, harassment, discrimination, and wage disputes, costly and common in care settings.
Learn more →Commercial Auto
Covers liability, physical damage, and medical costs for facility vehicles transporting residents, including hired and non-owned exposure.
Learn more →Business Interruption
Replaces lost income and covers fixed expenses if a fire or disaster halts operations, so you can reopen without financial strain.
Learn more →Cyber Liability
Resident records and healthcare data are prime targets. Covers breach costs, notifications, credit monitoring, and systems recovery.
Learn more →What Does Assisted Living Insurance Cost?
Assisted living insurance is priced per occupied bed. Most facilities fall between $500 and $1,800 per occupied bed per year for the core liability and property program, with memory care, higher acuity, and prior claims pushing the high end.
| Facility Profile | Core Program (per occupied bed / year) | What Moves The Price |
|---|---|---|
| Residential care home (lower acuity) | $500 to $900 | Small bed count, limited hands-on services |
| Standard assisted living | $800 to $1,400 | Service mix, staffing, location, claims history |
| Memory care / higher acuity | $1,200 to $1,800+ | Dementia care, elevated abuse and fall exposure |
| Multi-building campus / CCRC | Custom | Scale and complexity; group captive may apply |
Workers compensation, commercial auto, and umbrella are priced separately. For full 2026 ranges by facility size, acuity, and coverage line, see our assisted living insurance cost guide.
Industry Spotlight: Abuse & Accountability
Facilities nationwide face rising scrutiny over abuse and neglect. Whether from understaffing, improper vetting, or management gaps, even a single claim can trigger regulatory investigations, civil lawsuits, and a serious loss of trust.
We help clients mitigate this risk with robust Abuse & Molestation and EPLI coverage plus proactive policy planning and regular reviews, so your program responds swiftly if an incident occurs.
Why Choose Pro Insurance Group
Industry Experts. We serve facilities across 40+ states and know state-specific compliance and licensing nuances.
Tailored Policy Design. We assess your services, resident population, and footprint to build coverage that fits your risk and budget.
Hands-On Support. From claim guidance to policy reviews, we stay engaged long after the paperwork is signed.
Access To Leading Carriers. We place with top-rated national and regional carriers that specialize in the live-in care industry.
For larger operators: Pro Insurance Group has access to group captive programs for qualifying multi-facility groups with strong safety records and clean loss history, offering more competitive long-term pricing, profit and dividend sharing, and greater control over your insurance spend.
What Our Clients Say
Resources For Administrators And Directors
Industry-focused guides to improve risk management and insurance outcomes.
Assisted Living Insurance FAQs
What insurance does an assisted living facility need?
A layered program: general liability, professional (malpractice) liability, commercial property, workers compensation, commercial auto, business interruption, cyber liability, abuse and molestation, and a commercial umbrella. The right limits depend on bed count, acuity, and the services you provide.
How much does assisted living facility insurance cost?
Most facilities pay between $500 and $1,800 per occupied bed per year for the core liability and property program, with workers compensation, auto, and umbrella priced separately. Memory care, prior claims, and higher acuity push the figure up. See our cost guide for detailed ranges.
Does assisted living insurance cover abuse and molestation?
Only when it is specifically added. Most standard policies exclude abuse and molestation or apply a low sublimit, so full coverage usually requires an endorsement or a specialty carrier. Because it is one of the highest-severity claims a facility can face, it should carry an adequate limit, not a token sublimit.
Does Pro Insurance Group write assisted living coverage outside Illinois?
Yes. Pro Insurance Group is licensed in Illinois and 40 plus additional states and places assisted living and senior care programs for operators nationwide, from single residential care homes to multi-building campuses.
What is the difference between assisted living and senior living insurance?
Assisted living involves hands-on resident care, which adds professional liability and abuse exposure. Independent and senior living without hands-on care carry a lighter risk profile and lower cost. We tailor the program to the actual level of care provided. Explore our senior living coverage.
Protect Your Facility With Confidence
Let a licensed advisor build an insurance strategy that strengthens your operations and supports your commitment to quality care.
Get A Quote Call 833-776-4671NF
Reviewed by Neal Fusco
VP, Commercial Lines · Pro Insurance Group. Neal places senior care, HOA, trucking, and workers compensation programs for operators nationwide.
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