If your assisted living facility transports residents, your liability exposure increases significantly.
Why Resident Transport Is High Risk
Transporting elderly or medically vulnerable individuals increases injury severity exposure. Plaintiff attorneys often argue negligent supervision, improper maintenance, or inadequate driver screening.
Minimum Recommended Limits
$1,000,000 Combined Single Limit (CSL)
Consider $1,000,000 umbrella policy
All employees who may transport residents must be listed drivers.
Vehicle Considerations
Underwriters review:
- Vehicle age
- Maintenance records
- Passenger capacity
- Safety features
Hired & Non-Owned Auto Coverage
If employees use personal vehicles for business errands, Hired & Non-Owned Auto coverage is required.
Recommended Structure
$1M CSL Commercial Auto
Hired & Non-Owned Auto
Consider umbrella
Proper driver screening
Documented maintenance program
For a resident transport exposure review, contact Prosperity North Advisors to schedule a consultation.