Healthcare Facility Insurance
Assisted living and residential care insurance for every size community
From six-bed residential care homes to large licensed communities, we place complete programs for assisted living operators, including memory care, new licensees, and change-of-operator transactions.
What we place
- General & Professional Liability
Programs that account for levels of care, memory care units, and resident acuity. - Property
Habitational and facility property, including markets for older buildings and tough locations. - Workers’ Compensation
Caregiver-heavy payrolls priced correctly, with audit review before you overpay. - Auto, Umbrella & Bonds
Resident transport, non-owned auto for staff, excess limits, and license bonds.
How we work
Every account starts with a complete, carrier-ready submission. We analyze your loss runs, document your exposures, and write the underwriting narrative before your account ever hits a desk. Then we market it to the carriers and wholesale markets that actually want your class of business and negotiate terms, not just price.
After binding, the work continues: certificates, endorsements, premium audit review, experience mod analysis, and claims advocacy all year. You work with Ari Baer directly, supported by a service team built for the complexity of healthcare facility programs.
Whether you run one home or twenty communities, your program should reflect how you actually operate.
Exposures We Understand
Underwriting that reflects how you actually operate
Levels of care
Ambulatory versus non-ambulatory populations, hospice residents, and care waivers all change your placement. We document them precisely.
Memory care
Secured units and elopement controls are underwriting focal points. We present your protocols as the risk controls they are.
New licensees
First-time operators face limited markets. We know which carriers welcome new licensees and how to package the submission.
Change of operator
License transfers need coverage bound to a date certain. We coordinate placement with your transaction timeline.
Staffing model
Awake overnight staff, medication management, and nurse availability shape both liability and workers’ comp pricing.
Small-home portfolios
Operators running multiple residential care homes need one coherent program, not a pile of unrelated policies.
Get a quote for your facility
Complete the intake in about ten minutes, or call 818-937-1827.