https://completemarkets.com/company/mjhallandcompany/Residential-Living-Facilities-Insurance/
M.J Hall & Company now offers Residential Living Facilities Insurance!
M. J. Hall and Company, Inc., a wholesale Excess & Surplus Lines broker, places tailored liability and professional liability coverage for residential living facilities across Alaska, Arizona, California, Hawaii and Nevada. We provide markets for Personal Care Homes, Independent Living facilities, Assisted Living (including memory care/Alzheimer’s), and select Skilled Nursing accounts.
Program overview
Our Residential Living Facilities Insurance program combines professional liability and general liability capacity from various A&S carriers. Coverage is designed to address the unique exposures of resident care, billing and privacy risks, staffing issues and allegations of abuse or neglect. We can place occurrence-form general liability and a range of optional enhancements to match facility operations and risk profiles.
Ideal accounts and appetite
Personal care homes, assisted living and independent living facilities of small to medium size.
Memory care/Alzheimer’s units where the operator maintains documented policies and staff training.
Selected skilled nursing facilities with straightforward medical services and manageable resident acuity.
Accounts with robust staffing practices, formal policies for medication and resident care, background checks, and loss-control documentation fit best. Applicants that routinely provide high-acuity hospital-level care or complex tertiary medical services may be referred or declined.
Coverage highlights and advantages
Professional Liability and General Liability available.
Optional coverages—and endorsements—include Claims Expenses (Defense Outside Limits), Hired & Non-Owned Auto Liability, Sexual Misconduct, Billing Errors, Disciplinary Proceedings, Employee Benefits Liability, Employee Theft, Evacuation Expense, First Dollar Defense, HIPAA, Legal or Media Expense, Privacy Reimbursement, Punitive Damages and TRIA.
General Liability can be written on an occurrence form, which is attractive for long-term exposure management.
Access to multiple E&S carriers through M.J. Hall’s wholesale relationships, which helps find capacity for harder-to-place risks.
Underwriting notes
Underwriters focus on resident acuity, staffing ratios and training, written policies (medication, restraint, infection control), background screening, and documented risk management.
Loss history, alleged incidents, regulatory actions, and any licensing or disciplinary issues are key factors in pricing and term decisions.
Copies of policies and procedures, claims run-lists, and current payroll/occupancy information speed review and improve placement options.
Territories and placement
This program is offered through Excess & Surplus Lines placements and is available in AK, AZ, CA, HI and NV. We work with a variety of carriers to provide flexible solutions where admitted markets may be limited.
Why place this business with M.J. Hall & Company
Wholesale E&S broker with focused access to carriers writing residential care risks.
Ability to package professional and general liability coverages with optional endorsements tailored to facility exposures.
Responsive underwriting intake and guidance on risk-improvement steps that improve acceptance and terms.
Example scenarios
You might have a 40-bed assisted living community with a dedicated memory care wing seeking combined professional/general liability and HIPAA/privacy protection—this program can be quoted with sexual misconduct and disciplinary proceeding coverage options. Or a family-owned independent living facility looking for occurrence-form GL and employee theft limits to protect resident funds could be a good fit for our markets.
Our agents are ready to review submissions and discuss risk placement strategies for your residential living facility clients—contact M.J. Hall to start a submission.
Frequently Asked Questions
What types of accounts are a good fit for this program?Small to medium-sized personal care homes, assisted living and independent living facilities, plus memory care units. Select skilled nursing facilities with limited high-acuity medical services may also qualify. Facilities should have documented policies, staff training and basic loss-control practices.
Which coverages and optional endorsements are available?The program offers Professional Liability and General Liability (occurrence form available) with optional endorsements such as HIPAA/privacy reimbursement, sexual misconduct, disciplinary proceedings, billing errors, employee theft, hired/non-owned auto, first dollar defense and more. Availability varies by carrier and state.
Is this placed on an admitted or non-admitted basis?Coverage is placed through Excess & Surplus Lines (non-admitted) markets. We write business in AK, AZ, CA, HI and NV using our carrier panel.
What underwriting information should I include with a submission?Provide current applications, facility policies (medication, infection control, restraints), staff training and background check procedures, occupancy and payroll, and a 5-year loss run or claims summary. Complete information helps expedite quotes and uncovers opportunities for favorable terms.
Need help placing an account? Connect with a market specialist.