Senior Living D&O Insurance: Under Stress

When Inspired Healthcare Capital filed Chapter 11 in February, it set up a fight every senior living operator should study. A $10 million D&O tower, shared by former executives and debtor entities, with defense costs eating the limit and every side claiming the same dollars.

Our new white paper walks through the case from public court filings: how the tower was built, why it became vulnerable, and the design decisions that would have changed the outcome.

The core finding: a D&O program should not be evaluated as a single limit. It should be evaluated as a capital allocation system under stress.

Inside the paper:

The IHC bankruptcy and the $717 million asset sale, and what the D&O dispute means for operators
Why shared limits create conflict between executives, entities, and the estate
Defense within limits: how a $10M tower can be exhausted without a $10M judgment
The clauses that matter in distress: priority of payments, dedicated Side A protection, runoff, severability
A 30-day action plan plus an annual management liability review for your board

Download the white paper (PDF)

This paper analyzes public records and does not offer legal advice.