One80’s Senior Living Facilities insurance coverage is designed to provide comprehensive protection to retirement homes, assisted living communities, and nursing homes. It safeguards these essential facilities against a range of potential risks, including liability claims, property damage, and healthcare-related issues, ensuring the safety and well-being of elderly residents while supporting the sustainable operation of these institutions.

Senior Living Facilities Overview

The target classes and typical risks we focus on for this program are:

  • Assisted Living

  • Memory Care

  • Independent Living

  • Continuing Care Retirement Communities

  • Skilled communities

The highlighted features of this exclusive program include:

Minimum Premiums

  • Workers’ compensation: $20,000

  • Package or mono-line property: $25,000 ($150,000 in New York)

  • PUGUSM/UMB that is not supported by property or workers’ compensation: $150,000

The available coverages we have to offer for this program are:

  • All lines of coverage for licensed Assisted Living

  • All lines of coverage for Memory Care and/or Independent Living if submitted with affiliated Assisted Living

  • All lines of coverage for Continuing Care Retirement Communities

  • Mono-line workers’ compensation for skilled communities in all states EXCEPT: CA, DE, FL, GA, KY, MN, NH, NY, VT, WI

The submission requirements for this program are:

  • Completed ACORD applications for all requested lines of business

  • Current statement of values (preferably in Excel format)

  • Currently valued loss runs for the past five years (plus the current year)

  • Carrier required supplemental and activity-specific questionnaires

  • For fleet submissions, we can accept an Excel schedule as long as the required components are provided


  • License in good standing

  • Good loss history

  • Adequate staffing & nurse staffing consistent with resident acuity

  • Minimum of 20 residents per community and 50 residents per account

  • 3 years in operation or highly experienced management team

  • RN or LPN on staff if Memory Care residents are present

For more information please contact:

Daniel O’Neil

Marketing Development Manager Wholesale | One80 Intermediaries


p: 312-930-6171