The senior living industry is responsible for keeping their residents safe every single day. Failing to do so can have monumental regulatory and litigation impact. Elopement occurs when a resident leaves the premises or a safe area without authorization and/or necessary supervision to do so. A resident who...

The National Flood Insurance Program (NFIP) rolled out some important changes effective October 1, 2018, that should be beneficial to clients. The updates include a new cancellation code, notification to clients who qualify for a preferred risk policy, and extended eligibility for newly-mapped properties. What...

Resident falls remain one of the most frequent challenges confronting the senior living industry. The Agency for Healthcare Research and Quality (AHRQ) has stated that three of every four nursing center residents fall each year, and the average resident has two to three falls per year. Most nursing centers have...

The National Center for Assisted Living (NCAL) completed an analysis of assisted living licensure or certification changes for each state along with the District of Columbia. Twenty-nine states made changes to their requirements in the past year. While there was a wide range of changes from state to state, the...

Adding volunteers as employees to the CGL eliminates built-in coverage. Volunteers have unique benefits under the commercial general liability (CGL) policy not available to employees. The unmodified CGL policy will: Provide defense to businesses with volunteers named in a claim or lawsuit as well as to...