If you operate an assisted living facility in Arizona, you’ve likely seen insurance premiums increase — even without claims. 
 

Key Drivers of Rate Increases: 
 
1. Increased Litigation in Elder Care 
– Vulnerable population 
– Emotional claims 
– Specialized plaintiff attorneys 
 
2. Rising Abuse & Molestation Claims 
– Higher defense costs 
– Increased settlements 
 
3. Medical Cost Inflation 
– Higher claim severity 
– Increased treatment costs 
 
4. Staffing Challenges 
– Turnover 
– Training inconsistency 
 
5. Carrier Market Tightening 
– Reduced appetite 
– Fewer carriers 
 

What You Can Control: 
– Documentation quality 
– Staff training 
– Hiring protocols 
– Loss prevention 
 

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

For a renewal strategy review, contact Prosperity North Advisors.