INDUSTRIES · SENIOR CARE
Coverage for the people who care for everyone else.
Assisted living, skilled nursing, memory care, and home care operators, where comp costs, turnover, and resident safety all run high.
PHOTO PLACEHOLDERB+W, DUOTONE · SENIOR CARE
THE SENIOR CARE STACK
What companies like yours usually carry.
Workers' compResident lifting and transfers drive some of the highest comp costs of any industryStatutoryREQUIREDE&O / professionalProfessional liability for resident care, falls, and medication errors$1M / $3MREQUIREDBOP / general liabilityGeneral liability and property, with abuse and molestation coverage$1M / $3MREQUIREDEmployment practicesWage-hour, staffing-ratio, and termination claims$1MRECOMMENDEDCyber liabilityResident health records and HIPAA breach response$1MRECOMMENDEDCommercial autoResident transport vans and staff running errands$1M CSLRECOMMENDEDMedical, dental, visionRetaining CNAs, LPNs, and RNs in a tight labor market—RECOMMENDED
- 01Safe-lifting programsLoss-control support that can lower your experience mod over time.
- 02PAYG comp for 24/7 shiftsPremiums follow real hours across every shift and facility.
- 03Benefits for hourly caregiversACA-compliant offers and plans CNAs can afford.
TOP RISKS WE PLAN FOR
- 01Resident handling. Lifting and transfers make comp one of your largest costs.
- 02Falls and abuse claims. Professional and abuse-and-molestation coverage are essential.
- 03Turnover. High CNA turnover strains ACA compliance and benefits eligibility.
SENIOR CARE QUESTIONS
- Can pay-as-you-go comp work with 24/7 shifts?
- Yes. Premiums follow actual hours across every shift and facility.
- Do you cover multiple facilities?
- Yes, on one program with location-level reporting.
YOUR PROGRAM AT A GLANCE
Every line a senior care company typically needs, on one application.
WORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriers
HOW IT WORKS FOR SENIOR CARE
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write senior care risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- ACORD 130
- Carrier supplement
- ACORD 126
- ACORD 140
- ACORD 127
- ACORD 129
- Employee census + group application
DOCUMENTS
- Payroll by class code (from payroll)
- Loss runs, 3–5 years
- Current policy declarations
- Experience mod worksheet
- Description of services
- Sample client contract
- Prior claims, if any
- Revenue and operations description
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTCommercial crimeEmployee theft, fraud, and funds-transfer schemes
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
