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INSURANCE FOR ASSISTED LIVING AND SENIOR LIVING FACILITIES

Your residents and their loved ones trust you to provide outstanding care. Trust the experts at Selective and your independent agent to help you protect your business with insurance coverage that fits your unique needs.

Get insurance for assisted living and senior living facilities from Selective and your independent agent.

Every day, 10,000 Baby Boomers turn 651, which means assisted living facilities, nursing homes, and senior care centers must prepare for new residents.

If you own or operate a senior living facility, you need an insurance solution that can help you reduce risk and reach your goals.

Selective and your independent agent can help you customize coverage for your unique operational needs, including complimentary abuse prevention resources you can use to help create safer environments for residents and employees.

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TYPES OF SENIOR LIVING FACILITIES SELECTIVE INSURES

Backed by years of experience serving your industry, Selective and your independent agent can assess your business exposures and provide tailored insurance coverage. Organizations we insure include:

  • Assisted living facilities
  • Active adult communities
  • Continuous care retirement communities (property and auto)
  • Homeowners Associations (HOAs)
  • Nursing homes (property and auto)
  • Senior apartments and condominiums

Don't see your business type listed? Contact your local independent agent to discuss your coverage options and to get a quote.

COMPREHENSIVE INSURANCE FOR SENIOR LIVING FACILITIES

Senior living facilities like yours provide invaluable care for the communities they serve. You also face unique risks. That's why we offer broad and specialized coverage solutions to help you protect your business.

General Liability Insurance

Essential coverage for your senior living facility, commercial general liability insurance encompasses a broad range of risks involving bodily injury and damage to the property of others.

  • Blanket additional insured where required by a written contract
  • Limited assault
  • Limited property damage to the property of others in your care, custody, or control
  • Temporary liquor liability

Business auto insurance covers incidents like third-party bodily injuries and property damage, property damage to your vehicles, and accidents when your employees transport your residents in a facility-owned vehicle.

  • Blanket additional insureds
  • Care, custody, or control amendment
  • Additional transportation expenses
  • Garagekeepers
  • Expanded audio, visual, data electronic equipment

Selective's abuse or molestation insurance coverage includes a broad definition of abuse, covering physical, sexual, and mental abuse.

  • Occurrence / claims-made
  • Broad limits
  • Innocent employee, volunteer, and student-in-training limited civil expense

Commercial property coverage for assisted living facilities helps protect against damages due to events like fires, storms, and burst pipes. It also covers damage to your building, office equipment, furniture, landscaping, outdoor signage, and more, including:

  • Emergency vacating expenses
  • Employee theft
  • Forgery or alteration
  • Ordinance or law – loss to the undamaged portion of the building, including demolition costs and increased cost of construction
  • Property off premises
  • Property of residents
  • Utility services
  • Communicable disease extra expense
  • Theft of residents' money and securities

Your local independent agent can help you understand how these common types of insurance for assisted living facilities can help you protect your business.


"Very well organized in performing a detailed walkthrough at each of our facilities. Proactive on what to inspect and gave valuable feedback throughout the process."

New York Customer

Optional insurance coverages for senior living facilities.

OPTIONAL COVERAGES FOR SENIOR LIVING FACILITIES

Talk to an Agent About Protecting My Organization
Talk to an Agent About Protecting My Organization

VALUE-ADDED SERVICES FOR SENIOR LIVING CUSTOMERS

Selective offers a wide range of value-added services at no additional cost to help our policyholders further reduce their risks. Senior living facilities can benefit from:

  • Discounted background checks and comprehensive screening services to help you hire with confidence.
  • Nurse Triage 24 (NT24) injury hotline connects injured employees with registered nurses who can advise on appropriate treatment options and help reduce unnecessary visits to the ER and costly claims.
  • Selective Drive® commercial fleet management can help ensure drivers' safety and your fleet's efficiency.

Complimentary Abuse Prevention Resources for Assisted Living Facilities

We partnered with Praesidium, an industry leader in abuse prevention, to help policyholders reduce risk and create safer environments for employees and customers.

Upgrade Your Abuse Prevention Program
Upgrade Your Abuse Prevention Program

RISK MANAGEMENT SERVICES FOR SENIOR LIVING FACILITIES

Selective's Risk Management team can help you reduce your risks and prevent potential claims with expert guidance and complimentary digital resources, including:

  • Thermographic infrared testing of electrical panels and incoming service at no additional cost
  • Building valuation
  • Praesidium's® abuse or molestation prevention resources, including online training, policies and procedures, and discounted employee background checks
  • Assistance in developing policy and procedure manuals, including screening guidelines for employees and volunteers working with vulnerable adults
  • Habitational emergency evacuation training and other life safety evaluations
  • Pre-screening assistance with employee motor vehicle reports
  • Fleet safety assistance, including defensive driving instruction, 15-passenger van safety, and vehicle emergency evacuation training
  • Driver monitor program through SafetyFirst® (if eligible)

Manage more of your business risks with Selective's Risk Management services.

Manage your senior living facility insurance 24/7 with your MySelective online account.

Convenient 24/7 Account Management

The MySelective account and mobile app make it quick and easy to manage your business insurance policy on the go with convenient features like:

  • Digital access to important policy documents
  • Online claims reporting
  • Live chat with service experts
Discover MySelective
Discover MySelective
Explore abuse prevention strategies for senior living facilities.

How Selective is Helping Customers Protect Our Communities

Allison Paulson, Assistant Vice President, Community, and Public Services Strategic Business Unit, believes that safeguarding the vulnerable in our communities is more than a business need. In this Unique Perspectives article, she offers abuse prevention strategies to help organizations protect their customers and communities.

Read More
Read More

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1According to the United States Census Bureau