Commercial Insurance for Real Estate and Healthcare
Stonebrook is an independent insurance agency with deep experience in a few industries where the details decide everything: real estate, multi-family housing, and healthcare for seniors and people in recovery. We place commercial programs nationwide, and have since 1982.
Reviewed by Nate Feuerman, High Net Worth Insurance Producer at Stonebrook
Last updated
Quick answers
What kinds of businesses does Stonebrook insure?
Real estate investors, multi-family buildings, adult day cares, assisted and senior living, skilled nursing facilities and substance abuse treatment centers.
Is Stonebrook an independent agency?
Yes. We work with standard, specialty and excess and surplus lines carriers, so we can shop your program across the market.
Where does Stonebrook place commercial insurance?
Nationwide. We insure single-location businesses and multi-location, multi-state operators across the country.
Can you review my current commercial insurance?
Yes. Send us your current policies and we will show you where the gaps and savings opportunities are.
The industries we know best.
Each program has its own page with the coverages, exclusions and questions that matter most for that kind of business.
| Program | Who it’s for | Core coverages |
|---|---|---|
| Real estate investors | Rental portfolios, LLC-owned properties, vacant buildings and renovations | Property, liability, loss of rents, builders risk, umbrella |
| Multi-family buildings | Apartment buildings and mixed-use properties of five or more units | Habitational liability, property, equipment breakdown, umbrella |
| Adult day care | Medical day and social day programs, including transportation | Professional and general liability, abuse coverage, commercial auto |
| Senior living | Assisted living, memory care and independent living communities | Professional and general liability, property, workers’ comp, cyber |
| Skilled nursing | Nursing homes, sub-acute and post-acute care facilities | Professional liability, excess, regulatory and billing, workers’ comp |
| Treatment centers | Detox, residential, PHP, IOP and sober living | A dedicated substance abuse division |
Commercial coverage, explained.
What each type of commercial insurance covers, what it doesn’t, and who needs it.
Coverages most businesses need.
Every program is built from these pieces. The right limits, forms and exclusions depend on your operation.
General liability
Injuries and property damage to others arising from your premises or operations, plus legal defense.
Commercial property
Buildings, equipment and contents, with business income to replace lost revenue after a covered loss.
Workers’ compensation
Required for employers in nearly every state. Pays medical bills and lost wages for employees hurt on the job.
Commercial auto
Owned vehicles and vans, plus hired and non-owned auto for employees who drive their own cars for work.
Professional liability
Claims arising from care or professional services, essential for healthcare and senior care operators.
Umbrella and excess
Higher liability limits above your primary policies, often required by lenders, landlords and contracts.
Employment practices
Claims of wrongful termination, discrimination and harassment by employees, and in some forms, third parties.
Cyber liability
Data breaches, ransomware and privacy violations, including HIPAA-protected health information.
Directors and officers
Protects board members and officers, especially important for nonprofits and associations.
What working with Stonebrook looks like.
- We learn your operation.Locations, services, staffing, vehicles, contracts and claims history.
- We review what you have.We read your current policies line by line and flag the exclusions and gaps that matter.
- We market your account.We present your business to the carriers that fit it, and advocate for it with underwriters.
- We explain the options.Side-by-side coverage and price, in plain language.
- We stay with you.Certificates, mid-term changes, renewals and claims, handled by people who know your account.
A broker who knows your business.
Stonebrook is an independent agency. We work with standard, specialty and excess and surplus lines carriers, so we can shop your program across standard, specialty and surplus lines markets instead of fitting you into one company’s program.
Since 1982 we have placed commercial programs for businesses and property owners across the country. We read the fine print, flag the exclusions that matter for your operation, and advocate for you at underwriting, at renewal and at claim time.
Coverage that works together.
Most families need more than one policy. Here is how the pieces fit.
Commercial insurance questions, answered.
What commercial insurance does Stonebrook offer?
Stonebrook insures real estate investors, multi-family buildings, adult day cares, assisted and senior living communities, skilled nursing facilities and substance abuse treatment centers, with general liability, property, workers’ compensation, commercial auto, professional liability, umbrella, employment practices, cyber and D&O coverage.
Is workers’ compensation insurance required?
In nearly every state, yes. Rules on which employers must carry it vary by state, but almost every business with employees needs it. We write it alongside the rest of your program, in every state where you operate.
What is the difference between general liability and professional liability?
General liability covers injuries and property damage from your premises and operations, like a slip and fall. Professional liability covers claims arising from the care or professional services you provide. Healthcare and senior care operators need both, often written together.
What are excess and surplus lines?
Excess and surplus (E&S) lines carriers insure risks that standard carriers won’t, often with more flexible terms. Many healthcare and habitational accounts are placed there. As an independent agency, we can access both standard and E&S markets.
Can you insure a business with locations in more than one state?
Yes. We place coverage for multi-location and multi-state operators, across the country.
How do I get a commercial insurance quote?
Send us your current policies or declarations pages, a description of your operation, and five years of loss runs if you have them. We will tell you what else the carriers will need.
What are loss runs?
Loss runs are reports from your current and past insurers listing your claims. Most commercial carriers ask for three to five years of them to quote. Your current agent or carrier can provide them.
Go deeper.
Let’s talk about protecting your business.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.