Customized Coverage for Assisted Care Providers
As an assisted living facility operator, your mission is to provide safe, compassionate, and dependable care for your residents. But with growing oversight, increased liability risks, and regulatory complexity in the industry, protecting your facility goes far beyond good intentions; it demands comprehensive, well-structured insurance. Regardless of age or ability, you and your residents deserve nothing but the best.
At Pro Insurance Group, we specialize in designing customized insurance solutions for various assisted living facilities across Florida, Iowa, Illinois, and Wisconsin. Whether you operate a boutique care residence or manage several regional centers, we help you identify and mitigate risks with confidence.
Types of Coverage We Provide
We offer a full range of insurance policies designed to meet the specific and growing need for insurance by assisted living facilities:
General Liability Insurance
This foundational coverage protects your facility during third-party claims, such as injuries sustained by a visitor or vendor on your property. Should a family member slip and fall in your reception area, general liability insurance would cover medical costs and legal defense expenses. It’s an essential shield for both your finances and your brand.
In addition to covering vendors and visitors, our assisted living liability policies also cover facilities against lawsuits that may arise from the falls of the individual residents. We understand that despite the vigilance and preventative measures taken by facilities, accidents happen, and our policies are specially designed to protect you, your staff, and your facility. Falls and injuries are among the most common claims against assisted living facilities. With one of our personalized General Liability policies, you are covered for both lawsuits and reputational harm.
Professional Liability (Errors & Omissions) Insurance
Assisted living staff often provide professional services that include medication dispensing, hygiene assistance, and basic healthcare. Professional liability insurance protects you during claims of negligence, improper care, or errors in service delivery. With increasing scrutiny from both families and regulatory agencies, this coverage helps maintain the trust placed in your caregivers.
Commercial Property Insurance
Your facility is more than a building, it’s the foundation of your daily operations. Commercial property insurance helps cover damage or loss to the facility’s physical assets resulting from fire, storms, theft, or vandalism. Whether it’s costly medical equipment or resident furnishings, this coverage ensures your business can quickly recover and rebuild.
Workers’ Compensation
Assisted living employees risk occupational hazards daily, from lifting residents to managing emergencies. Workers’ compensation insurance provides financial support for medical care, rehabilitation, and lost wages if an employee is injured on the job. It also ensures your facility is in compliance with applicable compulsory insurance laws.
Abuse and Molestation Liability Insurance
Reports of abuse, whether substantiated or not, can devastate your facility’s standing and open the door to significant legal exposure. Abuse and molestation liability insurance offers essential protection against claims of physical, emotional, or sexual abuse. This coverage includes legal defense, settlement costs, and serves as a testament to your facility’s commitment to safe, responsible care.
Commercial Fleet Insurance
If your assisted living facility includes transporting residents to appointments or events, vehicles must be insured beyond personal use standards. Commercial auto insurance covers liability, physical damage, and medical expenses resulting from accidents involving your company-owned vehicles, ensuring safety on and off your property.
Employment Practices Liability Insurance (EPLI)
Today’s workforce is more aware of its rights than ever before. EPLI protects your facility against claims from employees related to wrongful termination, harassment, discrimination, wage disputes, and more. Lawsuits can be both costly and damaging to workplace morale. EPLI policies provide coverage and help with maintaining compliance.
Business Interruption Insurance
Natural disasters, fires, or other unexpected events can halt your operations, leading to lost income and compounding losses. Business interruption insurance helps replace lost revenue and can cover fixed operational expenses during downtime, helping you to reopen your doors without financial strain.
Cyber Liability Insurance
Sensitive resident records and healthcare data are prime targets for cybercriminals. Cyber liability insurance covers costs associated with data breaches, including legal fees, credit monitoring, public relations, notifications, and systems recovery. In an era where digital security is non-negotiable, this coverage protects both your data and your credibility.
Why Choose Pro Insurance Group?
At Pro Insurance Group, we understand that insurance is more than a checkbox, it’s a vital part of delivering trusted care.
Industry Experts
We serve assisted living facilities across several states. Our team is well-versed in state-specific compliance requirements and licensing nuances.
Tailored Policy Design
We assess your facility’s specific services, resident population, and footprint to develop coverage that fits both your risks and your budget.
Hands-On Support
From claim guidance to policy reviews, our team stays engaged long after the paperwork is signed.
Access to Leading Carriers
We work with a network of top-rated national and regional carriers with expertise in the live-in care industry, offering you competitive rates and flexible options.
Industry Spotlight: Abuse & Accountability Awareness
Assisted living facilities around the country have recently come under scrutiny for rising incidents of abuse and neglect. Whether due to understaffing, improper vetting, or management issues, even a single claim can trigger regulatory investigations, civil lawsuits, and a serious loss of trust among residents and their families.
Pro Insurance Group takes these concerns seriously. We help our clients mitigate risk not just with robust insurance coverage, but also with proactive policy planning, regular reviews, and guidance on maintaining safe, compliant operations. Our Abuse & Molestation and Employment Practices Liability policies are designed to respond swiftly and effectively in the event of an incident, giving assurance to your staff and stakeholders.
Providing thoughtful, compassionate care isn’t just your mission, it’s ours too.
Protect Your Facility with Confidence
Don’t leave your facility, your staff, or your residents vulnerable. Trust Pro Insurance Group to create an insurance strategy that strengthens your operations and supports your commitment to quality care.
Contact us online or give us a call at (833) 619 – 0799 to request a customized quote or schedule a consultation with a licensed advisor.