Insurance for Adult Day Care
Combined General + Professional Liability from $45 p/month
Covers medication errors & abuse allegations at your center
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What does adult day care insurance cover?
Adult day care insurance helps protect your business against claims arising from the care and supervision of clients. It can help cover legal defense costs, settlements, compensation, and other expenses related to client injuries, allegations of negligence, property damage, abuse claims, and certain cyber incidents.
Why do adult day cares need insurance?
Adult day care professionals provide care and support to seniors and adults with disabilities. But even with the highest standards of care, accidents and unexpected incidents can happen. Insurance helps protect your business from the financial impact of claims, allowing you to focus on delivering quality care with greater confidence.
| Risk scenarios | Coverage benefits |
|---|---|
| Negligence or inadequate care claims A participant or their family alleges that an error, omission or lack of appropriate supervision caused their condition to worsen or resulted in harm. | Professional Liability insurance covers legal defence costs, settlements or judgments arising from claims of negligence, errors or omissions in the professional care and support services you provide. |
| Third-party injury or property damage A participant, visitor or other third party is injured at your facility, or your business accidentally damages property while providing services off-site. | General liability insurance helps cover legal costs, compensation, and repair or replacement expenses if your business is held responsible for third-party injury or property damage. |
| Abuse allegation A participant or their family alleges that you or one of your employees engaged in abusive, inappropriate or harassing behaviour while providing care or support. | Abuse and harassment coverage helps cover legal defence costs and other covered expenses associated with allegations of abuse, harassment or inappropriate conduct involving you or your employees. |
| Data breach or cyber incident A cyberattack or security incident compromises your systems, email account or electronic records, exposing sensitive participant, health or business information. | Cyber liability insurance helps cover certain costs associated with responding to a data breach or cyber incident, including notifying affected individuals, engaging forensic specialists, restoring systems, and managing covered legal or regulatory expenses. |
Who needs adult day care insurance?
Whether you assist clients in private homes, long-term care facilities, or through a home health agency, we offer tailored for a range of adult day care service providers, including:
Personal Care Aides (PCAs)
In-Home Care Service Providers
Personal Care Assistants
And other medical professionals
What types of insurance do adult day care centers need?
BizInsure offers Professional and General Liability Package made specifically for adult day cares. These insurance policies can cover the common risks Adult Day Care may face, providing you with peace of mind and comprehensive coverage.
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How much does Adult Day Care insurance cost?
BizInsure combined Professional Liability and General Liability insurance package for adult day care centers starts at $42.31 per month*.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to growing adult day care centers with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to growing adult day care centers with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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