Updated October 20, 2026

Senior Living Coverage Comparison Checklist

Use this checklist with your broker to compare senior living liability proposals line by line. Fill in one column per proposal.

This is a comparison aid only. It is not a representation of CareFront's policy terms, coverage, limits, or pricing. Actual terms are set by the policy issued.

Item	What to check	Proposal A	Proposal B	Proposal C
Named insured and location schedule	Are all entities, locations, and service units listed correctly?
Professional liability scope	What care activities are covered, and are any services excluded?
General liability scope	Bodily injury, property damage, and personal injury coverage, and any premises limitations.
Claims-made retroactive date	Is prior acts coverage preserved back to the correct date?
Claims-made reporting requirements	How and when must claims and potential claims be reported?
Tail (extended reporting) terms	Availability, duration, and how the tail is priced.
Per-claim limit	Limit per claim for each coverage part.
Aggregate limit	Annual aggregate, and whether it is shared across locations or coverage parts.
Defense-cost treatment	Are defense costs inside the limit (eroding) or outside the limit?
Deductible or SIR wording	Deductible versus self-insured retention, amount, and whether it applies to defense costs.
Abuse and molestation wording	Is it covered, sublimited, or excluded? Any separate limit or retention?
Exclusions, including cyber and technology	Review all exclusions, including cyber, data, and technology-related exclusions.
Other insurance clause	How the policy responds when other coverage applies.
Carrier and program manager identities	Who issues the policy and who administers the program?
State eligibility	Is the coverage available in every state where you operate?
Taxes and fees	Surplus lines taxes, policy fees, and broker fees, shown separately.
Questions for your broker	Anything unclear above, plus renewal timing and documentation needs.

Next steps

Operators can learn how CareFront works with operators and their brokers. For definitions, see the senior living insurance glossary and claims-made vs occurrence.

Senior Living Coverage Comparison Checklist

Next steps

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