Assisted Living Facility Insurance Checklist for 2026

Senior care has more moving liability parts than almost any business. This checklist gives operators a simple way to confirm their facility is fully covered, and to spot the gaps that standard policies quietly leave behind.

Why assisted living carries more liability than most businesses

A senior care facility combines several high-exposure businesses under one roof. It is a 24-hour residential property, a healthcare provider, an employer of caregivers, and often a transportation operation. Each role brings its own claims: a slip in a common area, a medication or care dispute, a staff injury, a vehicle accident during a resident outing, or an allegation of abuse or neglect. A standard business policy is built for one of those exposures at a time, which is how facilities end up with coverage that looks complete on paper but quietly leaves gaps. The checklist below is built around the full set of exposures a facility actually carries.

The assisted living insurance checklist

How to use this checklist at renewal

• Confirm abuse and molestation is included with real limits, not excluded or sublimited.
• Check professional liability limits against a worst-case claim, and backstop with umbrella.
• Verify property is at replacement cost to avoid a coinsurance penalty.
• Match commercial auto to how you actually transport residents.
• Add cyber if you store resident health or payment data, which nearly every facility does.

What to have ready for your coverage review

A faster, more accurate review starts with a few documents on hand. Before your renewal or a gap audit, gather:

• Current declarations pages for every policy, so limits and sublimits are visible
• Your resident census and bed count, plus the services you provide such as memory care, skilled nursing, or transportation
• A current statement of property values for building and contents
• Loss runs for the last three to five years
• Staff count and payroll for workers compensation
• Any vehicles used to transport residents

With those in hand, each line on the checklist can be confirmed against real numbers instead of assumptions.

How Pro Insurance Group builds the complete program

We run your facility through this exact checklist, close the gaps, and place assisted living facility insurance with carriers who specialize in long-term care. Pair it with our top-claims risk management guide and director's liability guide, or explore senior living solutions.

Work With Pro Insurance Group

Pro Insurance Group is an independent agency based in Elgin, Illinois, serving assisted living operators across the state and 40+ states nationwide. We compare 20+ A-rated carriers, re-shop your policy at every renewal to keep your rate competitive, and tailor coverage to your needs. No agency fees, ever.

Call 833-776-4671 for a fast, no-obligation quote.

Frequently asked questions