Insurance for Assisted Living Residences

(a) Each ALR shall carry insurance for at least the following: (1) Hazards (fire and extended coverage) in the amount of $500.00 per resident to protect belongings with a minimum of $2,000 of coverage per facility; (2) Premises, personal injury, and products liability at least in the following amounts: (A) For one to 2 beds, $100,000 per occurrence; (B) For 3 to 9 beds, $300,000 per occurrence; and (C) For 10 or more beds, $500,000 per occurrence; and (3) Incidental malpractice coverage specific to the duties required of an ALA manager or any staff member in the amount of at least $100,000. (b) If an ALR is not owned by the operator or manager, the operator or manager shall obtain proof of the owner’s premises liability coverage, such as a certificate of standard landlord coverage, or shall place the owner on the operator’s or manager’s policy as an additional named insured.