Independent living facilities have important duties, not just to the residents who depend on them for assistance and more, but also to their staff who devote themselves to serving the residents. While there are many types of insurance needed to adequately protect the interests of all involved with the facility, independent living facilities workers comp insurance remains one of the central elements of the risk management package that is often not thoroughly assessed for maximum return on investment. Every facility should regularly evaluate some of the best ways to reduce premium costs and minimize liabilities.

Safety Mentality

Among the prime ways to effectively manage liability risks is to inculcate a culture of safety awareness and concern among all team members. Many independent living facilities workers comp carriers are eager to work with management and staff to implement safety-training programs. Education is critical, both for new employees as well as for ongoing development among long-time staff to develop proactive awareness all areas of facility and resident safety and security. Among types of programs that can lead to reduced claims and lower premiums are:

  • Resident safety;
  • Documentation;
  • Coaching during an adverse event;
  • Media relations;
  • Quality assurance training;
  • Emergency response preparedness.

When employees are thoroughly and regularly apprised of best practices and see each team member as a part of a successful effort to reduce risks and liability, a demonstrable improvement in safety and overall resident satisfaction is likely to follow.


photo credit: PANationalGuard cc