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The 2026 Assisted Living Insurance Gap Report
Quick answer: The seven most common insurance gaps in assisted living are outdated liability limits, missing or...
SENIOR CARE INSURANCE
Senior Living Facility Insurance
Coverage for the full continuum of care: independent living, assisted living, memory care, and skilled nursing. Liability, abuse coverage, and property under one program, priced per bed and shopped across 20+ carriers.
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- Insurance Solutions for Senior Living Facilities
★ Licensed In 40+ States ✓ Full Continuum Of Care ★ 20+ Carriers Shopped ✓ Abuse & Molestation Experts
Quick Answer: Senior living facility insurance is priced per bed per year. Independent living typically runs $150 to $400 per bed, assisted living $300 to $800, and skilled nursing $800 to $2,500 depending on state and claims history, with memory care adding 20 to 40 percent. A complete program includes general liability, professional liability, abuse and molestation coverage, property, and workers compensation. We shop the specialty market across 20+ carriers to match your license type and acuity.
Senior living facilities, from independent living communities to skilled nursing homes, are entrusted with the well-being of a vulnerable population. That responsibility carries industry-specific risks that a standard business policy was never built to handle. The right program protects not just the facility, but the residents and families who depend on it, and it should be built by a team that understands how senior care actually works.
Coverage And Cost By Facility Type
Senior living is not one risk class. The right program and price depend on your license type and acuity mix.
| Facility Type | Liability Cost (per bed / year) | Risk Profile |
|---|---|---|
| Independent Living | $150 to $400 | No hands-on care; lighter liability, more like habitational risk |
| Assisted Living | $300 to $800 | Hands-on resident care adds professional liability and abuse exposure |
| Memory Care | +20% to 40% over assisted living | Dementia care raises supervision, elopement, and fall exposure |
| Skilled Nursing | $800 to $2,500 | Federal oversight and medical malpractice drive higher limits |
For assisted living facilities specifically, we build programs around resident care liability, state licensing, and per-bed pricing. Skilled nursing facilities carry federal oversight and medical malpractice exposure that price differently. And because standard liability policies commonly exclude abuse allegations, every senior care facility should carry standalone abuse and molestation coverage, the exposure families and licensing boards scrutinize most.
Coverage We Provide
A complete program built around the real exposures of senior care.
General Liability
Protects against bodily injury and property damage claims, like a visitor slipping and falling on the premises.
Learn more →Professional Liability
Malpractice coverage for care-related claims of negligence or errors, essential wherever staff provide hands-on care.
Learn more →Abuse & Molestation
Standard policies commonly exclude abuse allegations. Standalone coverage pays defense and settlement on the claim regulators scrutinize most.
Learn more →Commercial Property
Covers buildings, equipment, and furnishings against fire, natural disasters, and theft so operations continue uninterrupted.
Learn more →Workers Compensation
Covers medical care and lost wages for staff injured on the job, and shields the facility from related legal action.
Learn more →Commercial Auto
Covers facility vehicles used to transport residents, including liability, physical damage, and hired or non-owned exposure.
Learn more →RUN AN ASSISTED LIVING FACILITY?
Get A Free Coverage Audit
We will review your current program line by line and show you where you are exposed, at no cost. We recently saved a Florida facility over $20,000 a year.
Why Choose Pro Insurance Group
Specialty Market Access. Senior living is a niche market where carrier appetite varies widely. We know which carriers fit which facility.
We Shop 20+ Carriers. Quoting multiple markets routinely uncovers 15 to 30 percent premium spreads for the very same facility.
Tailored To Your License. We match the program to your actual license type and acuity mix, so no exposure is overlooked or overpriced.
Hands-On Support. From claims guidance to renewal reviews, our team stays engaged long after the policy is bound.
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
Senior Care Insurance Resources
Guides to help you understand coverage across the continuum of care.
Senior Living Insurance FAQs
What insurance does a senior living facility need?
A complete senior living program includes general liability, professional liability for care-related claims, abuse and molestation coverage, commercial property, workers compensation, and commercial auto for resident transport. Skilled nursing facilities add higher professional liability limits, and most lenders and state licensing reviews require proof of the full stack.
How much does senior living facility insurance cost?
Pricing runs per bed per year. Independent living typically costs $150 to $400 per bed for liability coverage, assisted living $300 to $800 per bed, and skilled nursing $800 to $2,500 per bed depending on state and claims history. Memory care units typically add 20 to 40 percent over standard assisted living rates.
Is nursing home insurance different from assisted living insurance?
Yes. Skilled nursing facilities face federal oversight, higher acuity residents, and medical malpractice exposure, which drives professional liability limits and premiums well above assisted living. Assisted living programs center on resident care liability under state regulation. The right program matches your license type and acuity mix.
Why do senior living facilities need abuse and molestation coverage?
Because standard liability policies commonly exclude abuse allegations, and senior care facilities serve a population where these claims, founded or not, carry severe financial and reputational consequences. Standalone abuse and molestation coverage pays defense costs and settlements, and many carriers and licensing reviews now expect it.
Does general liability cover resident falls?
It depends on the cause. A visitor slipping in the lobby is general liability. A resident fall tied to care decisions, staffing levels, or supervision is typically a professional liability claim. Falls are the most frequent serious claim in senior living, which is why facilities need both coverages with limits that reflect their census.
How can a senior living facility lower its insurance premiums?
Documented fall prevention programs, staff training and retention records, clean state survey results, and incident reporting systems all earn carrier credits. Working with an independent broker matters most: senior living is a specialty market where appetite varies widely, and quoting multiple carriers routinely uncovers 15 to 30 percent spreads for the same facility.
Protect Your Facility With Confidence
Let a senior care specialist build a program matched to your license, acuity, and budget, shopped across the specialty market.
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.