Coverage
Coverage Built for Care Facility Operators
Three core insurance lines, each tailored to the specific risks of adult care and funeral home facilities in California.
Liability Insurance
Your first line of defense against claims.
General and professional liability coverage protecting your facility against claims of bodily injury, property damage, and professional negligence. Our liability programs are designed for the elevated exposure of care environments — not adapted from generic commercial templates.
What's Covered
- General liability for bodily injury and property damage
- Professional liability for negligence and errors
- Employment practices liability
- Directors and officers liability
Workers Compensation
Protect your people. Protect your business.
California-compliant workers' compensation for all care facility and funeral home employees. Covers medical costs, lost wages, and employer liability for workplace injuries — with programs designed for the specific injury patterns of care and mortuary work.
What's Covered
- Medical treatment for work-related injuries
- Lost wage replacement
- Employer liability coverage
- Return-to-work program support
- California state compliance
Commercial Property
Protect the assets that make your facility run.
Comprehensive property coverage for your facility's physical assets — buildings, specialized equipment, furnishings, and vehicles. Our property programs account for the unique asset profiles of care facilities and funeral homes, including specialized medical and mortuary equipment.
What's Covered
- Building and structure coverage
- Specialized equipment and contents
- Business interruption coverage
- Vehicles and fleet coverage
- Theft, fire, and vandalism protection
Ready to Review Your Coverage?
We'll assess your current policies and identify gaps specific to your facility type.