Residential Care & Personal Care Homes

National Specialty Programs

Families choose assisted living facilities, residential care, independent living facilities or personal care homes for their loved ones to keep them safe from bodily harm. These establishments are tasked with the care of an ever-growing elderly population unable to care for themselves. The risk of falls, abuse from caregivers, the dispensing of incorrect medications and negligence are multiplied under one roof. All Risks offers assisted living facility insurance to multi-location or single facilities. We have access to multiple A.M. Best “A-” or better-rated insurance markets to offer you competitive and comprehensive coverage for your long-term care accounts. Check out our exclusive Assisted Living Facility Insurance Program to learn more!

Program Highlights

  • Exclusive program available nationwide, excluding HI. Minimum premiums start at $1,000 for lower limits. Premium discounts may be available for facilities who partner with Extended Care Professional, a web based eMAR and EHR software solution or participate in  SR Risk’s Senior Risk University, an in-service training course for caregivers. Ask a National Program underwriter for more information.
  • No bed limit



  • Nationwide
Submit a Risk
  • Residential care facilities
  • Personal care homes
  • Assisted living centers, including: memory care and homes for developmentally disabled adults
  • Lower and mid-level Alzheimer’s patients acceptable
  • Non-ambulatory patients acceptable (no bed ridden residents)
  • Independent living
  • Assisted living

General Liability and Professional Liability

  • Product-Completed Operations
  • Personal and Advertising Injury
  • Medical Payments – $5,000 limit
  • Property Damage to Others – $100,000 limit
  • Coverage on a Claims-Made Basis
  • Defense Outside the Limits
  • Separate GL/PL Coverage Towers
  • Coverage on a Claims-Made Basis, with Incident Sensitive Trigger
  • Following coverages available subject to sub-limit +
    • Evacuation Expense
    • Crisis Management
    • Legal/PR Expense
    • HIPAA Damage – Defense
  • Occurrence available on certain risks


  • Building
  • Business Personal Property
  • Business Income
  • Data Security coverage available subject to sub-limit
  • Capacity up to $10,000,000 TIV

Workers’ Compensation

  • Eligible WC Class Codes: 8824, 8825, 8826, 8829, 9070, 8742, 8810
  • Guaranteed cost and retrospective rating plans available
  • Minimum premium:  $15,000

Optional Coverage

  • Physical/Sexual Abuse – up to $1,000,000 limits
  • Hired/Non-Owned Auto – up to $1,000,000 limits
  • Employee Benefits Liability
  • Quake & Flood

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

All Risks adds Workers’ Comp to Assisted Living Program

Learn about eligible class codes for assisted living facilities.

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


Industry Associations