Insurance for Adult Day Care
Combined General + Professional Liability from $45 p/month
Covers medication errors & abuse allegations at your center
Instant quotes and immediate coverage from A-rated insurers
Based on 800+ Google reviews
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Compare quotes from our trusted insurance partners:
On this page:
What does adult day care insurance cover?
Adult day care providers support clients with daytime supervision, personal care, meals, activities and, depending on the program, health monitoring or medication assistance. Not every provider offers clinical services, so coverage requirements can vary based on the level of care your business provides.
BizInsure offers a combined Professional and General Liability Package designed for eligible adult day care businesses. General Liability insurance can help cover eligible third-party claims involving client injury or property damage, while Professional Liability insurance can help cover eligible claims alleging negligence, errors or omissions in the care and supervision you provide — including allegations of inadequate care, abuse claims, and certain cyber incidents, subject to policy terms and limits.
Why do adult day cares need insurance?
Adult day care providers — including social, health/medical, and specialized programs — support seniors and adults who need daytime supervision, personal care, or health-related services. Even with high standards of care, injuries and unexpected incidents can still happen.
Adult day care liability insurance, including General Liability and Professional Liability, can help protect your business from covered claims such as client injury, property damage, negligence allegations, and abuse allegations — so you can focus on delivering quality care with 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 we cover
Adult day care policies are generally built around the social model of care. Coverage can also be blended to contemplate certain medical services — for example, when a Registered Nurse, LVN/LPN, or CNA provides non-invasive services within the scope of their state license. Eligibility depends on the services provided and the state you operate in, so speak with a BizInsure specialist to confirm coverage for your business. BizInsure offers coverage for a range of adult day care providers, including:
Adult day care centers
Adult day service providers
Adult day health care centers
Senior day care programs
Social adult day care providers
Memory care and dementia day programs
Specialized adult day programs, including programs serving people with disabilities
What types of insurance do adult day care centers need?
Adult day care centers may face risks related to client injuries, property damage, and allegations of negligence or inadequate care. The right insurance can help protect your business from covered claims related to these risks.
BizInsure offers a Professional and General Liability Package for eligible adult day care businesses.
Fast, simple, and convenient
Start a quote to see how much you can save and buy online in minutes.
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
Insurance requirements vary by state and by the type of adult day care program. Some providers may also need to meet requirements set by licensing bodies, contracts, landlords, or other organizations. Check your state and program requirements to understand what applies to your business.
Workers compensation requirements vary by state and usually depend on factors such as the number of employees and the type of business. Adult day care providers should check their state requirements to determine whether workers compensation coverage is required.
Liability insurance and workers compensation serve different purposes. General and Professional Liability can address certain covered third party claims, while workers compensation generally addresses covered work related injuries or illnesses involving employees.
Coverage for volunteers depends on the policy and how the volunteers work within the business. Adult day care providers should confirm whether volunteers are included under their policy and whether any conditions or exclusions apply.
Abuse and Molestation coverage may apply to eligible claims involving allegations of abuse, subject to the policy terms, conditions, limits, and exclusions. Providers should review their policy to understand who and what is covered.
Fast, simple, and 100% online
Get instant coverage in under 10 minutes. Just 3 easy steps!
Enter Occupation
Search & select your occupation
Choose Coverage
Select the coverage you need
Get Covered
Instant certificate of insurance and policy documents in your inbox
Small business insurance experts
We are proud of our innovative insurance platform, outstanding team, and stellar workplace that have helped aspiring businesses to protect what matters most.
