Assisted Living

Assisted Living Insurance

Assisted living insurance offers peace of mind and a safe and supervised living space for elders who can no longer care for themselves. This type of insurance is designed for residents of assisted living facilities, residential care and nursing homes, who need constant care and supervision.

Understanding Assisted Living and Residential Care Insurance

Assisted Living Insurance supplements the limited coverage under
Medicare for nursing home care.  Choosing the best assisted living insurance coverage for an elder at home is critical. Consider the following coverages when purchasing assisted living insurance:

  • Business Automobile
  • Property
  • Abuse and Molestation Insurance
  • General Liability
  • Professional Liability
  • Crime/Employee Dishonesty
  • Worker’s Compensation
  • Business Interruption
  • Defense outside the limits
  • Employment Practices Liability
  • Umbrella or Excess Insurance
  • Directors and Officers Insurance
  • Employment Practices Insurance

A typical assisted living insurance policy covers:

  • nursing home services
  • residential care
  • assisted living facilities
  • home health care services
  • hospice care
  • adult day care
  •  respite care
  • care advisory services
  • medical equipment

As far as assisted living insurance is concerned, Professional
Liability covers medical incidents or errors. If Professional Liability is
added to your assisted living policy, it will cover:

  • Medication Errors – wrong medicine, wrong dosage
  • Food Illness – improperly stored food, allergy food
  • Accidental Patient Injuries – patient slips while staff assists getting in or out of bed

Assisted living residential care insurance

Assisted living residence insurance offers protection for spectacles, hearing aids, which are extremely essential during old age and can make a big difference. We are knowledgeable and experienced insurance agents that can design your assisted living insurance specifically to meet your needs. Call us now to discuss your unique situation.


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Aaron J. Farmer Insurance Agency, Inc.
7960 Silverton Ave. Ste. 202 San Diego, CA 92126
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