Senior care & allied health
Senior-care insurance that gets approved — even when others say no.
Assisted living. Adult day care. Hospice. Home health. Coverage built for the regulatory, abuse-liability, and HPL realities you actually face — placed by a broker who knows the markets that are still writing.
Why this work matters to me
This isn't an abstract specialty for me.
I have personal reasons to care about how senior care, hospice, adult day care, and home health are run — and how the operators behind them stay protected. Someone close to me will, in time, depend on services like the ones my clients provide.
That shapes how I show up for operators. When I'm working a placement in this space, I'm bringing every ounce of attention and rigor I'd want from a broker if my own family were depending on the care. Coverage placement is the technical work. Doing it well — for the operators, the staff, and the families they serve — is the part that actually matters.
[Tyler — personalize this paragraph in your own words before publishing. The version above is intentionally generic and contains no specifics. Revise as little or as much as you'd like.]
Why operators come to me
"My broker can't place us anymore."
Markets shift constantly in this class. I have surplus-lines access and the carrier relationships to keep your policies in force, even after a non-renewal.
"My HPL/abuse premium just doubled."
Some markets are still pricing competitively — they just don't show up on rate-shop sites. I know which ones, and what they want to see in your submission.
"I'm being audited or sued."
Claims handling, state-survey response, and risk-management referrals — I help operators stay insurable through the worst quarters.
Coverage we place
General Liability
Occurrence and claims-made forms, including residents-as-guests endorsements where needed.
Healthcare Professional Liability (HPL)
Per-occurrence or per-claim, with optional shared limits and consent-to-settle clauses.
Abuse & Molestation
Standalone or sub-limit. Critical for assisted living, adult day care, and home health.
Property + Business Interruption
Replacement-cost property with BI structured around census and per-resident revenue.
Auto
Resident transport, contracted vans, and non-owned/hired auto.
Workers' Compensation
Class-code accuracy is everything. I review every comp policy for misclassification.
Cyber + EPLI
HIPAA-aligned cyber towers and employment practices coverage tailored to high-turnover staffing.
D&O
For boards and non-profit operators — entity, Side A/B/C as applicable.
How the process works
- 1.
Intake call
15–30 mins. We confirm classes, exposures, prior losses.
- 2.
Submission
I package it for the right markets. You review before it goes out.
- 3.
Quote review
5–10 business days for clean risks. We compare line-by-line.
- 4.
Bind
Documents, certificates, and a mid-term check-in 90 days post-bind.
Frequently asked
What's the difference between occurrence and claims-made HPL? +
Occurrence covers incidents that happened during the policy period regardless of when the claim is reported. Claims-made covers claims reported during the policy period. Most senior-care HPL is now claims-made — which means tail coverage matters when you switch carriers.
Do I really need separate abuse coverage? +
Yes — and increasingly carriers will not write your GL/HPL without explicit abuse terms. Sub-limits matter; some markets only offer $25K/$50K, which is meaningless. I help you find the markets writing real limits.
What does a typical assisted-living submission packet look like? +
Loss runs (5 yrs), current dec page, census trends, staff ratios, state survey results, abuse-prevention policy, transportation details, and any pending litigation. I'll send you a one-page packet template before our first call.
Can you place us if we've had losses or citations? +
Often, yes. The market is harder but not closed. I'll set realistic expectations on premium and may recommend interim risk-management steps that improve future renewals.
Do you write memory care? +
Yes. Memory care has a tighter market than standard AL, but multiple carriers still write it with proper underwriting and risk controls.
Ready to start a submission?
Send your dec pages and I'll come back with a real-world placement plan within 5 business days.
Request a quote