Sexual Abuse & Molestation (SAM) coverage is one of the most sensitive—and most important—components of an assisted living insurance program. Many facility owners assume their General or Professional Liability policy automatically provides adequate protection, but coverage terms, exclusions, and limits can vary significantly. At Prosperity North Advisors, reviewing SAM coverage is a key part of every assisted living policy review because the financial and reputational consequences of these claims can be severe.
Topics Covered
- What SAM coverage is
- Why it matters for assisted living
- Common policy limits
- Defense costs
- Employee screening and training
- Risk management best practices
- Reporting procedures
- State licensing considerations
- Annual coverage reviews
PNA Pro Tip
Review your SAM limits every renewal and make sure your employee screening, background checks, and abuse prevention training align with your insurance carrier’s underwriting expectations.
Call to Action
Want a second opinion on your assisted living insurance program? Prosperity North Advisors specializes in assisted living insurance and can help you evaluate your Sexual Abuse & Molestation coverage and identify potential gaps.
About Prosperity North Advisors
Prosperity North Advisors provides specialized insurance solutions for assisted living facilities across the United States, helping owners protect their residents, employees, and businesses.