The Hartford doesn’t offer assisted living liability insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Assisted Living Liability Insurance?
Assisted living liability insurance is a type of business insurance coverage designed to help protect your facility from claims that it caused bodily injury or property damage to someone else’s belongings.
Liability insurance is one type of important insurance for assisted living facilities. Other types of coverages are designed to help protect you from the risks you might face as you run an assisted living facility. That includes coverage for situations like a resident tripping in the hallway, a medication error that leads to a negligence claim or an electrical fire damaging your common area. Even minor events, like a broken handrail or lost resident records, can turn into costly issues if you don’t have the right protection.
An assisted living facility insurance package can include these common types of coverage:
- General liability insurance
- Cyber insurance
- Workers’ compensation insurance
- Professional liability insurance
Why Might You Need Assisted Living Liability Insurance?
Assisted living liability insurance can help protect you from claims of bodily injury or property damage — common challenges that you might face every day on the job.
Insurance for senior living facilities can help protect you from many potential risks, like:
- Employee injuries: A caregiver strains their back helping a resident out of bed.
- Lost records: Medical charts are lost after a computer crash.
- Family lawsuits: A resident’s daughter sues when she finds out a daily medication was missed.
What Assisted Living Liability Insurance Coverages Might I Need?
When it comes to protecting your assisted living facility, you’ll want coverage that matches your potential risks. Many facility owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your assisted living facility from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect your owned or rented building where you operate your assisted living facility, as well as the tools, equipment and inventory you rely on. These can include:
- Furniture
- Bedding
- Medical supplies
- Mobility aids, such as wheelchairs and walkers
- Emergency equipment
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
Keep in mind that a BOP won’t cover every kind of claim your facility could face. You’ll need to get other types of insurance for more comprehensive coverage, such as:
Commercial auto insurance to help cover claims from an auto accident that occurs while you or an employee are driving a company-owned vehicle for work.
How Much Does Assisted Living Liability Insurance Cost?
While The Hartford doesn’t offer coverage for assisted living facilities, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for an assisted living facility varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage costs, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific assisted living business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A visitor slipped in the hallway during lunch and had to be taken to the hospital.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“A resident’s family claimed their mother was given the wrong medicine and sued our facility.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Workers’ Compensation Insurance
“One of our aides fell while helping a resident and couldn’t work for a week.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My facility manager was using the company van to pick up supplies and equipment. He lost control and swerved into another car.”
Commercial auto insurance helps protect your employees on the road when using a company-owned vehicle for work. It can help cover bodily injury and property damage claims resulting from an accident your business caused.
Commercial Property Insurance
“We had an electrical fire in our laundry area, and it brought our day to a halt. We had to replace inventory and equipment that was destroyed.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Cyber Insurance
“Someone hacked our computer system and stole our residents’ information. Their personal information and payment data were gone.”
Cyber insurance can help your facility respond to a data breach. This coverage can help you notify impacted individuals and cover any fees or penalties.
Assisted Living Insurance That Works as Hard as You Do
Find protection for the facility you worked hard to build. Get a quote today through Tivly.
Last Updated: May 19, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed May 2025.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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