Insurance for residential care.
Coverage for assisted living, residential care, memory care and senior-support operators with patient, property and staffing exposure.
The questions every
owner should ask.
Why is senior care so hard to place?
Resident injury, falls, medication issues, abuse allegations, staffing levels and state oversight make senior care a specialty underwriting class.
Does GL cover resident care claims?
Not usually. Care-related allegations need professional liability or healthcare liability tailored to the facility's services.
What if we own the building?
Property, equipment, business income, ordinance or law, abuse/molestation, GL and professional liability all need to work together.
Are abuse and molestation claims covered?
Only if the policy includes the right wording and limits. This needs explicit review for any vulnerable-population operator.
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Professional liability
Coverage for resident care allegations, falls, medication errors, supervision and documentation disputes.
Learn about this coverGeneral liability & abuse coverage
Premises claims, visitor injuries and abuse/molestation wording reviewed for vulnerable-population exposure.
Learn about this coverProperty & business income
Buildings, contents, equipment, income loss, ordinance or law and resident relocation considerations.
Learn about this coverWorkers' compensation
Coverage for caregivers, nurses, aides, kitchen, maintenance and administrative staff.
Learn about this cover A broker that works
the whole market.
Facility details matter
Resident count, acuity, staffing ratios, memory care, licensing and loss history are packaged clearly for specialty markets.
Care and property placed together
Senior care is both healthcare and real estate. We coordinate liability, property, comp and cyber instead of quoting one line in isolation.
Certificate and lender support
Lenders, landlords, regulators and referral partners often ask for specific wording. We help keep those requirements current.
From first call
to bound cover.
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Who this is
built for.
Senior care cover
for the whole facility.
Tell us your resident count, acuity and property setup. We'll build the programme around the facility, not a generic office class.