Is an ALF required to carry liability insurance at all times?

An ALF, or Assisted Living Facility, is typically required to carry liability insurance at all times to protect the facility, its residents, and its staff from potential legal claims arising from accidents, injuries, or other incidents that may occur within the facility. This requirement ensures that the facility has the financial means to cover legal expenses, damages, and medical costs that could result from unforeseen circumstances, thereby safeguarding the wellbeing of both residents and employees. Maintaining continuous liability insurance reflects a commitment to high standards of care and compliance with regulatory requirements set forth by governing bodies overseeing healthcare and senior living. This insurance serves as a crucial layer of protection that allows the facility to operate with a degree of security and reassurance for all parties involved.