Senior Living Community Insurance

We understand the complexities our senior living community clients face, whether they’re administrators, owner-operators, private equity firms, or a REIT while preparing for a large retiree population in the years to come.

Talk to a Senior Living Care Consultant today!


James Phelan
312.989.1443 /

Insurance Expertise in Senior Living Communities

Insuring over 600 healthcare facilities

Since 2009, Horton has specialized in healthcare organizations to take their commercial insurance and employee benefits programs to a higher level of performance. Comprised of sound risk management, innovative employee benefit solutions, and industry-leading safety, wellness, and risk transfer strategies, agencies have the tools at their fingertips to control their destiny.  

Our senior living clients have their hands full trying to execute their purpose-driven work while worrying about a variety of concerns, including rising costs, increasing claim severity and frequency especially around COVID-19, difficult litigation environments, occupancy concerns and staff / labor pressures. It is our job to handle these concerns so our clients can fully focus on their operations – not their insurance. 

Ongoing and Increasing Risks in the Senior Living Community Industry

Many of the ongoing and emerging risks we see in our Senior Living Community clients include:

  • Dramatically higher insurance expenses, and labor and equipment costs
  • Constantly changing insurance regulations and healthcare laws
  • Threats to patients such as cyber privacy issues, abuse or neglect, property theft or damage



Types of Senior Living Communities we insurance include:

Types of Senior Living Communities we insurance include:

  • Senior living communities
  • Adult day care
  • Active Adult
  • Alzheimer’s / Memory Care
  • Age-restricted multifamily
  • Assisted living facilities
  • Assisted living for developmental disabilities
  • Continuing care retirement center (CCRC)
  • Convalescent homes
  • Individual living centers
  • Independent Living
  • Nursing homes
  • Post acute/Sub acute care
  • Residential care facilities
  • Retirement apartments
  • Skilled nursing and continuum of care

Insurance Coverages for Senior Living Communities:

  • Property Insurance Coverage
  • Business Income Coverage
  • General Liability Insurance
  • Assisted Living Facilities Professional Liability 
  • Abuse or Molestation Insurance 
  • Commercial Automobile Insurance 
  • Bonds
    • Resident fund bond - financial guarantee so that the facility will protect the funds (social security/pension) that may be getting sent directly to them.  
    • Utility deposit bond - guarantee the payment of the utility bills.  If sued for any manner of “wrongful thing” and if they lose, these firms may appeal the adverse judgement and have to post appeal bonds to the court.  These can sometimes be large.

We're Committed to Advancing Senior Living

We're Committed to Advancing Senior Living

Argentum_Supporting_MemberWe are proud to be a Supporting Member of Argentum, the leading national trade association serving companies that own, operate and support professionally-managed senior living communities in the United States. They provide many resources and products to help us stay updated on the latest news in senior living.

Since 1990, Argentum has advocated for choice, independence, dignity, and quality of life for all older adults. Along with its state partners, Argentum’s membership represents approximately 75 percent of the professionally managed communities in the senior living industry—an industry with a national economic impact of nearly a quarter of a trillion dollars and responsible for providing over 1.6 million jobs. These numbers will continue to grow as the U.S. population ages.

Senior Living Community Insurance Experts

Eric Dolezal

Andy Baskel

Senior Living Community Insurance Experts

Mike Madey

With clients ranging from hospitals to individual physicians' practices, Mike and his team have earned the trust of many business owners. He feels that Horton differentiates itself from the competition through the delivery of value-added services, such as safety consulting, claims advocacy and legal assistance.

Sean Dauber