Senior Care Facility Insurance

While you care for seniors, we’ll help care for your business.

Senior care facility insurance that protects your residents, staff, and property from liability, accidents, and operational risks.

Protect your patients and your business with insurance

As the population continues to age, demand for senior care services grows. Along with this comes unique risks that can be addressed with senior care facility insurance, helping you safeguard your residents, staff, and operations.

Which businesses need senior care facility insurance?

Different types of senior care facilities face different risks. Coverage should be tailored based on the type of care provided:

  • Assisted Living

  • Companion Living

  • Hospice Care

  • Independent Living

  • Memory Care

  • Retirement Communities

  • Respite Care

  • Skilled Nursing Facility

Facilities that provide pharmacy services or durable/home medical equipment may also have specialized coverage needs.

Special liability considerations for your facility

  • Medical Director’s Liability – Even if the director doesn’t treat patients directly, supervisory duties can still result in claims of negligence or errors.

  • Medical Malpractice & Administrative Defense – Helps cover legal costs related to state licensing boards, peer review, credentialing, and other regulatory matters.

Communal living risks

Senior care facilities often operate in shared environments, which can create specific challenges:

  • Emergency Evacuation Expense Insurance – Reimbursement for costs if residents must be evacuated.

  • Emergency Event Management Expense Insurance – Protection in case of violent events or disease outbreaks.

  • Business Income Coverage – Helps offset lost income if the facility must close temporarily.

Caring for vulnerable populations

Facilities may face claims of abuse or molestation. Coverage options include:

  • Abuse & Molestation Insurance – Covers defense costs and potential damages.

  • Innocent Party Insurance – Protects employees defending against criminal allegations.

Preserving your facility’s reputation

Reputation is vital in senior care. Coverage to consider includes:

  • Public Relations Expense Insurance – Helps cover costs associated with criminal investigations, administrative proceedings, or claims from alleged violations of laws.

The business side of your facility

Even with specialized coverage, standard business insurance remains important:

  • General & Commercial Liability – Protects against property damage and injuries.

  • Business Auto Insurance – Covers company vehicles and staff transportation.

  • Employment Practice Liability Insurance – Protects against harassment or discrimination claims.

  • Cyber Liability Insurance – Safeguards sensitive resident and staff data from breaches.

  • Workers’ Compensation Insurance – Covers employee injuries on the job.

  • Property Coverage – Ensures medical equipment and other valuable property are fully protected.

Caring for seniors is your mission - protecting your business is ours.

Protect the care you provide with the right coverage.
Running a senior care facility means you’re trusted with people’s loved ones and that responsibility comes with unique risks. Senior care facility insurance helps protect your staff, residents, and operations so you can focus on what matters most: delivering compassionate care.

👉 Contact us to explore insurance options tailored to your facility’s needs.

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