Looking for Adult Care Insurance?
Protect your adult care operation from liability risks, including client injuries, care-related claims, and property damage. Harper provides insurance for assisted living, memory care, in-home care, and senior day programs, with fast certificates for state licensing and facility requirements.
What is Adult Care Insurance?
Adult care insurance protects businesses that provide non-medical care and supervision to adults. Coverage is designed to address common risks, including falls, care-related claims, and property damage. Most state licensing boards and facility owners require proof of liability insurance before allowing operations.
Care Protection
Coverage for claims related to supervision, care decisions, or incidents such as falls or medication administration errors.
Facility Safety
Protects your business if a client or visitor is injured on your premises.
Business Property
Covers equipment, supplies, and essential items used in daily care operations.
Certificates
Fast proof of insurance for licensing boards, landlords, and facility owners.
Who Needs Adult Care Insurance?
- Assisted Living Facilities : Businesses and professionals requiring adult care insurance coverage
- In-Home Care Providers : Businesses and professionals requiring adult care insurance coverage
- Memory Care Programs : Businesses and professionals requiring adult care insurance coverage
- Senior Day Care Programs : Businesses and professionals requiring adult care insurance coverage
Why Harper?
Adult Care Expertise
Adult care is not a standard business risk. Harper understands the real exposures senior care providers face, from mobility assistance to medication oversight, and places coverage that reflects how your services actually operate.
Fast Licensing Compliance
Licensing boards and facility owners require accurate insurance documentation. Harper issues professional certificates quickly and assists with additional insured requests, so you stay compliant without delay.
Clear, Practical Guidance
We explain coverage in plain language: general liability, professional liability, abuse coverage, workers comp, so you understand what applies to your care model and what doesn't.
Coverage Matched to Your Services
Whether you provide personal care, memory care, medication assistance, or limited transportation, Harper helps align coverage with your specific operations.
Frequently Asked Questions
What insurance do adult care providers need?
Most providers need general liability coverage for bodily injury and professional liability coverage for care-related claims. Workers' compensation is required if you have employees, and some operations may require abuse coverage or commercial auto coverage.
Is adult care insurance required?
Yes. State licensing boards require liability insurance, and facility owners typically require proof before allowing services to operate.
How much does adult care insurance cost?
Costs vary by services, client count, and state. Small in-home providers may charge $1,500–$3,000 annually, while larger facilities typically charge $5,000- $15,000 or more.
Does adult care insurance cover falls?
Yes. General liability insurance can help protect your business if a client is injured during covered operations.
Does insurance cover medication errors?
Professional liability may apply to medication-related claims when services are within your licensing scope and policy terms.
Can I add my facility owner as an additional insured?
Yes. Harper assists with adding facility owners or landlords as additional insureds to meet lease or licensing requirements.