Many assisted living facilities are not fully protected — not because they lack insurance, but because of gaps.

Common gaps:

• Inadequate Abuse & Molestation limits ($100K vs $500K recommended)
• Weak or unclear professional liability coverage
• No hired & non-owned auto coverage
• Improper workers comp classification
• Missing endorsements (AI, waiver, PNC)
• Low liability limits

Recommended structure:
$1M / $3M liability
$500K abuse minimum

These gaps only show up during a claim — and can shut down a facility.

For a coverage gap review, contact Prosperity North Advisors.