Coverage Options
Rest Home & Assisted Living Insurance
Every policy a residential care facility needs — in one place, from specialists who know long-term care.
General Liability Insurance
General liability is the foundation of residential care coverage. It protects against third-party claims of injury or property damage arising from your premises and day-to-day operations.
Professional Liability Insurance
Professional liability — also called medical or healthcare professional liability — covers claims that the care your staff provided was negligent, fell below the standard of care, or caused injury to a resident.
Abuse & Molestation Liability Insurance
Abuse & molestation liability covers claims of abuse, neglect, or molestation involving your residents — a critical coverage for facilities caring for vulnerable adults, since standard GL frequently excludes it.
Commercial Property Insurance
Commercial property covers the physical assets of your facility — the building or tenant improvements, furnishings, medical and care equipment, and contents — against fire, theft, and other covered perils.
Commercial Auto Insurance
Commercial auto covers the vehicles your facility uses to transport residents — to medical appointments, outings, and activities. Personal auto policies exclude this business use and resident transport.
Workers Compensation Insurance
Workers comp is required from your first employee and provides medical and wage benefits to staff injured at work — a major exposure in care facilities, where caregiver lifting and resident-handling injuries are common.
Management Liability Insurance
Management liability bundles the coverages that protect your business entity and its owners — directors & officers, employment practices, regulatory defense, and cyber liability for the resident data you hold.
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