Coverage to Consider

Coverage to Consider

senior living insurance programs

There are many liability risks in operating a senior living facility. Senior living insurance programs take these risks into account when developing coverage. Here are some insurance types to consider for your senior living facility.

Professional Liability Insurance

Professional liability insurance helps protect your facility from having to pay legal defense costs to defend or pay an award damage on a civil claim of negligence or error. This coverage protects against risks not covered by general liability insurance. In some areas, professional liability coverage is required by law.

Employment Practices Liability Insurance

This insurance will protect your facility in the event that one of your employees breaks federal or state employment law. This type of liability protection comes into play when a staff person alleges that they have been wrongly terminated or that there have been violations of wage or working hour laws. Claims of sexual harassment, discrimination, and breach of contract are also areas dealt with in this coverage.

Cyber Liability Insurance

With computers and the internet dominating in data storage and transmission, the liability of stolen or exposed personal information is growing. To protect against this type of risk, companies are adding cyber liability insurance.

Consider all of the risks to your facility when you choose insurance. Senior living insurance programs can be customized to best fit the needs of your facility.