Case Study · Assisted Living | Commercial Insurance
Delivering Broader Coverage & Significant Premium Savings for an Assisted Living Facility
How Pro Insurance Group helped a facility overcome a challenging renewal cycle, achieve more than $20,000 in annual premium savings, and secure broader, more sustainable coverage.
Industry
Assisted Living Center
Challenge
Escalating renewal premium + limited coverage + past claims
A mid-sized assisted living facility providing residential care, medical oversight, and daily support services to elderly residents. The organization operates in a higher‑risk environment that includes resident care liability, medical incident exposures, employee safety concerns, and strict regulatory requirements. Maintaining stable and comprehensive insurance protection is essential for the facility’s long‑term operational resilience and financial health.
The Challenge
Prior to partnering with Pro Insurance Group, the assisted living facility faced a difficult insurance renewal driven by multiple active and prior claims. The incumbent carrier issued a proposal more than $20,000 above previous premiums, with restrictive terms and exclusions that left essential exposures inadequately covered.
This created significant financial pressure and risked leaving the facility without proper protection for resident care, employee safety, and regulatory obligations.
The Solution
Pro Insurance Group conducted a comprehensive evaluation of the facility’s loss history, operational risks, and coverage gaps. Leveraging strong industry relationships and a deep understanding of assisted living insurance requirements, the team:
Identified key exposure areas previously excluded or underinsured
Analyzed claims drivers to improve loss-position narratives
Matched the facility with experienced assisted living carriers
