You make one call. We make the rest.
Group homes, assisted living, adult day programs, home care. We place the professional and general liability that regulators and referral partners expect, with carriers who actually understand care work.
Tell us about your business.
What is Adult Care insurance?
Coverage built for the work of caring for adults: professional liability for care decisions, general liability for the premises, coverage for abuse and neglect allegations, and the property and auto coverage a care operation runs on. It is what regulators check, referral partners require, and families quietly look for.
In adult care, the claim is rarely a wet floor.
It is a medication error, a fall during a transfer, an allegation about a care decision. That is professional liability, and generic business policies do not include it.
Professional liability
Medication administration, transfers, supervision, and every other care decision your staff makes.
General liability
The premises side: visitor injuries, property damage, the everyday exposures of an occupied facility.
Abuse & neglect allegations
Defense and coverage for the allegations that can end an operation, written with limits that mean something.
Property & auto
The facility, its contents, and the vehicles that take residents to appointments.
Who needs Adult Care insurance?
- Group homes and residential care facilities
- Assisted living operators
- Adult day programs
- Non-medical home care agencies
- Memory care and specialized programs
One application. Every market. The right program.
We know care operations.
Census, acuity, staffing model, state surveys: we speak the language before the carrier asks.
Regulator and referral ready.
Certificates and limits that satisfy licensing and the partners who send you residents.
Hard-to-place is our lane.
Care risk gets declined by generalist brokers all the time. We know which markets write it well.
Coverage that keeps up with census.
Growth, new services, or a second facility extends the program without gaps.
Frequently asked questions
What coverage does a group home need?
Professional and general liability at minimum, with abuse and neglect coverage written in, plus property and auto if you own the facility or transport residents. State requirements vary, and we map yours exactly.
Are abuse and neglect allegations covered?
Under the program we place, yes, including legal defense. This is the coverage that determines whether an operation survives an allegation, and we treat it that way.
What about employees who get hurt lifting or transferring residents?
That is workers' comp, and care work makes it essential. We place it alongside the liability program so nothing falls between policies.
We keep getting declined. Can you help?
Probably, and quickly. Care risk is a specialty market problem, not a you problem. We take one application to the markets that actually write adult care.