At Homewood Insurance, we tailor coverage for Independent Living Facilities (ILFs) and senior communities that emphasize autonomy with amenities rather than skilled care.
The fastest way to compare options is our quick quote form. We’ll review multiple carriers and deliver a tailored proposal for your community.
Malpractice or liability insurance can provide essential protection against these risks:
Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.
✅ Key takeaway: For most true independent living facilities, Professional Liability is minimal, but as soon as health-related services are introduced, PL becomes a significant cost driver — and can push the facility into assisted living territory for underwriting.
Certain ILF features can push the risk profile toward assisted living or elevate frequency/severity of claims. Carriers scrutinize these closely and may surcharge or, if compliance is lacking, decline:
| Procedure/Activity | Risk Description | Insurance Impact |
|---|---|---|
| Providing Transportation (shuttles/vans) | Vehicle accidents; driver training and maintenance gaps | GL + auto exposure; 15–30%+ increases possible; may require higher deductibles or auto add-ons |
| On-Site Wellness & Fitness Programs | Falls/overexertion during classes; pool slips or drownings | Surcharges without certified supervision and posted rules; fall claims are a top driver |
| Limited Medication Assistance / Health Monitoring | Creeps toward assisted-living duty of care; errors/omissions allegations | PL exposure; endorsements or reclassification can materially raise premium |
| Emergency Call Systems (pull cords, in-unit alarms) | Implied monitored response; missed calls tied to injuries | Underwriting scrutiny; may trigger surcharges or declines without staffing/protocols |
| Admitting Residents with Advanced Needs | Elopement/falls requiring supervision; potential licensing mismatch | Higher premiums or decline if operations resemble assisted living without proper licensure |
| Events with Alcohol / High-Risk Social Activities | Slips, altercations, third-party injury in common areas | Exclusions or 20%+ hikes possible if no controls (policies, vendor COIs, monitoring) |
| Poor Building Maintenance | Aging flooring, lighting, plumbing/electrical raising fall and injury rates | Surcharges; carriers may require inspections, updates, or higher retentions |
| High-Catastrophe Geography w/ Limited Mitigation | Wind/flood/wildfire exposures increasing premises hazards and evacuations | Rate pressure; may require roof/sprinkler upgrades and evacuation endorsements |
| Inadequate Staffing/Training & Volunteer Oversight | Incident response delays; improper lifting/assistance; volunteer incidents | Premium escalation tied to frequency; training & documentation can improve terms |
| Food Service & Kitchens | Foodborne illness; burn/cut hazards; vendor exposures | GL surcharges; carriers look for ServSafe, logs, and vendor COIs |
General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
Also known as malpractice insurance, this protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.
Provides coverage for your CCRC against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.
This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.
Workers Compensation Insurance is usually mandated by law. It protects independent living facilities and employees in case of work-related injuries or illnesses.
Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
We help Independent Living Facilitiess:
Ralph specializes in sourcing the most suitable insurance for Independent Living Facilities at the best price. You can call him or fill out the form and he will get your message directly.