Operating an assisted living facility in Arizona carries significant responsibility and liability exposure.
It is rarely the frequency of claims that shuts down facilities. It is the severity.
Most Common Catastrophic Claims
- Abuse & Molestation Allegations
Even unproven allegations can generate six-figure defense costs.
Recommended structure:
$500,000 minimum Abuse & Molestation sublimit
$1,000,000 per occurrence
$3,000,000 aggregate - Medication Errors
Claims involving incorrect dosage, missed medication, or documentation gaps often lead to hospitalization or wrongful death litigation. - Fall-Related Wrongful Death
Severe injury litigation can exhaust $1M limits quickly. - Staffing-Related Negligence
Allegations of inadequate supervision or improper training often combine general liability and professional liability exposure. - Resident Transport Auto Claims
If transporting residents, $1M CSL minimum is recommended with umbrella consideration.
How to Prevent High-Severity Claims
- Strong documentation
- Annual staff training
- Clear hiring protocols
- Incident reporting procedures
- Fall prevention programs
Bottom Line
Properly structured:
$1M / $3M liability
$500K abuse minimum
Strong professional liability
For a claim exposure review, contact Prosperity North Advisors to schedule a consultation.