Residential care runs around the clock, in a real building, with real staff, for people who depend on you entirely. That combination is where coverage most often turns out to be thinner than anyone thought.
Residential care means there is no point in the day where supervision stops. Claims can arise from any shift, including the ones with the fewest staff on duty.
Abuse and molestation coverage is central here, not optional — and it is excluded from most standard general liability policies.
You own or lease a property that is occupied continuously. Property, habitability and premises liability all run together in a way they do not for an office-based organization.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
