General Liability Insurance
General liability is the foundation of residential care coverage. It protects against third-party claims of injury or property damage arising from your premises and day-to-day operations.
General Liability for Rest Homes & Assisted Living
A residential care facility is a busy place — residents, families, visitors, vendors, and staff move through your premises every day. A visiting family member who slips in the hallway, a delivery driver injured on your walkway, or damage to a neighbor's property all create third-party liability exposure that exists at every facility.
What GL Covers
- Bodily injury: Third-party injuries on your premises — a visitor falling in a common area or entryway
- Property damage: Damage your operations cause to a landlord's building or a neighbor's property
- Premises liability: Slips, trips, and falls in hallways, dining areas, and grounds
- Personal and advertising injury: Libel, slander, and certain advertising-related claims
- Medical payments: Minor on-site injuries handled without a lawsuit
License and Lease Requirements
State licensing agencies and commercial landlords almost universally require proof of general liability before you can operate — typically $1M per occurrence / $2M aggregate, with the landlord named as additional insured. We issue certificates and additional insured endorsements same-day.
Why Long-Term Care GL Is Specialized
Most standard business carriers will not write residential care or assisted living because of the resident-care exposure. Coverage must be placed with specialty markets that understand long-term care, resident safety, and the way premises and care claims overlap — which is exactly where we operate.
What's Covered
Frequently Asked Questions
$1M per occurrence / $2M aggregate is the standard requirement for most state licenses and leases. Larger facilities and certain landlords require higher limits, which we can layer with management liability or an umbrella.
No. GL covers ordinary premises accidents, but injuries arising from the care you provide fall under professional liability. Residential care facilities need both, plus abuse & molestation coverage.