Adult Care Facilities
Insurance Built for Adult Care Facilities
California's adult care operators face a complex web of liability exposures, staffing risks, and regulatory requirements. We've built coverage programs specifically for your environment.
The Risks You Face Every Day
Adult care facilities carry a distinct risk profile that generic commercial policies simply don't address. Here's what keeps operators up at night — and how we cover it.
Resident Injury & Abuse Claims
Falls, medication errors, and allegations of neglect or abuse are among the most common and costly claims in adult care. Your liability coverage must be purpose-built for these exposures.
Staffing & Employment Practices
High turnover, caregiver shortages, and the physical demands of care work create significant workers' compensation exposure. Employment practices liability is equally critical.
Property & Equipment Loss
From specialized medical equipment to the facility building itself, your physical assets require coverage that accounts for the unique nature of a care environment.
Regulatory & Licensing Exposure
California's CDSS regulations and licensing requirements create compliance risk. A single incident can trigger investigations that threaten your operating license.
Coverage Programs for Adult Care
General & Professional Liability
Covers bodily injury, property damage, and professional negligence claims arising from care operations.
Workers Compensation
California-compliant workers' comp for all care facility employees. Covers medical treatment, lost wages, and employer liability for workplace injuries — including the high-frequency back and strain injuries common in caregiving.
Commercial Property
Protects your facility building, medical equipment, furnishings, and resident belongings against fire, theft, vandalism, and other covered perils. Includes business interruption coverage.
Facility Types We Serve
Get a Quote for Your Adult Care Facility
Tell us about your facility and we'll build a coverage program around your specific risks.