Residential care facilities, board-and-care homes and small assisted living operators need coverage built for the care they provide. Standard business policies often exclude it. We work with specialty carriers that understand licensed care facilities.
Start a board & care, assisted living & group homes quote or call 888-391-5981.
Common risks
- A resident falls or is injured
- Allegations of neglect or improper care
- Abuse and molestation allegations
- Fire or water damage to the home
- Caregiver injuries from lifting residents
Coverage most board businesses need
| Coverage | Why it matters |
|---|---|
| Professional liability | Claims tied to the care you provide. |
| General liability | Injuries to residents, visitors and others. |
| Abuse & molestation | Often required by licensing agencies and contracts. Usually added by endorsement or written separately. |
| Commercial property | The building and contents, if you own them. |
| Workers compensation | Required for caregivers and staff. |
California requirements
Contracts and placements often require specific abuse and molestation limits, sometimes $1–2 million. Send us your contract requirements and we’ll quote to them.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · HVAC · Plumbers · Electricians
See also: Abuse & molestation coverage
Frequently asked questions
Can you match the limits my contract requires?
Yes. Send us the insurance requirements from your contract or licensing agency and we’ll quote policies that meet them.