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

1. 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
   
2. Medication Errors
   Claims involving incorrect dosage, missed medication, or documentation gaps often lead to hospitalization or wrongful death litigation.
   
3. Fall-Related Wrongful Death
   Severe injury litigation can exhaust $1M limits quickly.
   
4. Staffing-Related Negligence
   Allegations of inadequate supervision or improper training often combine general liability and professional liability exposure.
   
5. 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.