Senior Care Insurance

We specialize in property, general liability, and professional liability insurance for assisted living,nursing homes, and retirement communities.

Our customers range in size from small facilities to multi-state chains. We also have insurance programs for independent owner/operators and management companies.

In the nursing home industry, insurance premiums have risen sharply in the past few years. At the same time, the coverage being offered by insurers is much more limited. We have found that many facilities have been financially hurt by their insurance premiums rising 50%, 100%, 200%, or even 400%. We have taken a very aggressive approach in trying to stabilize or lower premiums, while enhancing coverage. Our expertise comes in having a thorough knowledge of the marketplace, which helps to match each insured with an appropriate insurer.

We are licensed in most states and insure approximately 100 assisted living, nursing homes, and retirement communities throughout the country.

Targeted Communities Include

  • Nursing Homes
  • Intermediate Care Facilities
  • Continuing Care Retirement Communities
  • Alzheimer/Dementia
  • Assisted Living Facilities
  • Residential Care
  • Boarding Homes
  • Retirement Apartments
  • Independent Living
  • Non-Profit Communities & Similar Communities

Senior Care Program Highlights

Do you know what kind of policy you have? It’s either an Occurrence Form or a Claims-Made form. To learn more about the Occurrence Form vs. the Claims-Made Form, See details below.

Assisted Living, Nursing Homes, Retirement Communities

Occurrence Form policies with the following coverages are available

  • $1,000,000/$3,000,000 General Liability limits
  • $1,000,000/$3,000,000 Professional Liability limits
  • $5,000 deductibles up to $50,000
  • $1,000,000 Abuse Limits
  • Defense Costs outside the limits
  • Punitive Damages
  • Employee Benefits Liability

Claims-Made policies with the following coverages are available

  • $1,000,000/$3,000,000 General Liability limits
  • $1,000,000/$3,000,000 Professional Liability limits (separate or inside limits)
  • $0 deductibles up to $500,000
  • $1,000,000 Abuse Limits
  • Employee Benefits Liability

Umbrella policies (or Excess Liability) are usually available with limits from $1,000,000 up to $10,000,000.

Non-Profit Specialty Program

Occurrence Form or Claims-Made policies with the following coverages are available:

General Liability

  • $1,000,000/$3,000,000 General Liability Limits & Professional Liability Limits
  • $1,000,000/$1,000,000 Employee Benefit Liability
  • $1,000,000/$1,000,000 Errors & Omissions (Directors & Officers, EPLI, etc.)
  • $100,000/$ 100,000 Employee Fidelity (Crime, Fiduciary, etc.)
  • Sexual Misconduct
  • Defense Costs Outside The Limits
  • Punitive Damages


  • $1,000,000 Earthquake
  • $1,000,000 Flood
  • $1,000,000 Extra Expense
  • $1,000,000 Accounts Receivable
  • $500,000 Debris Removal
  • $500,000 Demolition and Increased Cost of Construction
  • $50,000 Money and Securities
  • $50,000 Valuable Papers and Records
  • $1,000,000 Property in the Course of Construction
    (Full Contract Values not to Exceed)

Get a Quote

The quote process for many assisted living, nursing homes, and retirement communities can be very long and require a lot of information. It seems almost every insurance company needs their own insurance application completed, along with a vast array of documents in order to get a quote.

We have simplified the process for most clients. We are able to receive quotes from most insurers with a completed Excel spreadsheet. If you are interested in an quote, please contact Jeff Slater at or (503)624-0466 ext. 203.