These policies blend premises liability with professional liability for resident care, since long-term care claims typically allege both. Forms commonly carry sublimits or exclusions for abuse and molestation and may be written on a claims-made basis.
Many operators use captives or large retentions given market conditions.
Alternative Names:
LTC Professional Liability, Senior Living Coverage
Why it Matters?
Coverage adequacy is a persistent problem in this sector, since severity has outpaced available limits and abuse sublimits frequently fall well below the exposure they address. Defense counsel should determine early whether the policy is claims-made, whether defense costs erode limits, and what the abuse sublimit is, because those three facts determine the realistic settlement capacity more than the headline limit does.
Frequently Confused with
Related terms
Frequently asked questions
What limits questions matter most in long-term care claims?
Why are abuse sublimits significant?
