Assisted living, skilled nursing, CCRCs, independent living — and the multi-site operators with the most complex risk profiles in the sector.
Senior living is the hardest-priced segment in healthcare liability, and the one where the gap between a good placement and a poor one is widest. Carriers have withdrawn capacity across large parts of the country, per-bed rates in litigious venues can be triple those a state away, and the difference between a facility with documented falls protocols and one without is a real number on the renewal.
Most of this book prices per occupied bed rather than as a flat premium, which means census accuracy matters enormously at submission. An operator who submits licensed beds instead of occupied beds is over-paying from day one.
Resident care claims — falls, pressure injuries, elopement, medication error, failure to supervise — with defence costs structured inside or outside the limit as the operator prefers.
Premises, visitors, contractors and third-party bodily injury, written alongside or split from professional liability where that prices better.
Effectively mandatory in this sector and often required by state contract. Negotiated as a proper limit rather than a token sublimit.
Dementia units, behavioural residents and secured wings, which carry their own rating and their own underwriting scrutiny.
CCRCs and operators running mixed IL/AL/SNF campuses, where a single programme across the estate usually beats facility-by-facility placement.
Per-bed figures are combined professional and general liability, per occupied bed per year. Skilled nursing is quoted as an annual facility premium.
| Operation | Indicative annual premium |
|---|---|
| Independent living | $200 – $450 per occupied bed / yr |
| Assisted living — standard | $500 – $1,200 per occupied bed / yr |
| Assisted living — with memory care | $700 – $1,500 per occupied bed / yr |
| Assisted living — high-litigation venue | $1,200 – $1,800 per occupied bed / yr |
| Adult day care | $2,750 – $15,000 |
| CCRC — small campus (IL/AL, limited SNF) | $15,000 – $40,000 |
| CCRC — large multi-building campus | $120,000 – $300,000 |
| Skilled nursing — 60 beds or fewer | $45,000 – $85,000 professional liability |
| Skilled nursing — 61 to 120 beds | $80,000 – $180,000 professional liability |
| Skilled nursing — over 120 beds | $175,000 – $400,000 professional liability |
Indicative market ranges for 2026, shown to help you scope a risk before you submit it — they are not quotes and not an offer of coverage. Actual premium depends on venue, claims history, limits, staffing and documented controls, and can fall outside these ranges in either direction. Every risk is individually underwritten.
Send it over and we’ll get it in front of the right underwriters — matched to appetite, and before a competing broker locks the market.