Adult Day Care Insurance
Adult day programs combine healthcare, daily supervision and transportation under one roof, and each brings its own exposure. Stonebrook insures medical day and social adult day care programs nationwide, with coverage built around how your center actually runs.
Reviewed by Nate Feuerman, High Net Worth Insurance Producer at Stonebrook
Last updated
Quick answers
What insurance does an adult day care need?
Professional and general liability, abuse and molestation coverage, commercial auto for transportation, workers’ compensation, property, and usually cyber and employment practices.
Is a medical day care insured differently from a social day program?
Yes. Medical day programs are licensed health facilities with nursing and clinical services, so professional liability is central. Social programs focus on supervision and activities.
Does our transportation need special coverage?
Yes. Vans and buses that carry participants need commercial auto with appropriate limits, and staff driving their own cars need hired and non-owned auto.
Do we need abuse coverage?
Yes. Many liability policies exclude abuse and molestation, so it usually has to be added or bought separately.
What an adult day care program covers.
Professional liability
Claims arising from care: medication errors, missed changes in condition, and supervision of participants.
General liability
Falls and other injuries on your premises, during activities and on outings.
Abuse and molestation
Allegations of abuse by staff or other participants, which many policies exclude unless it is added.
Commercial auto
Vans and buses that bring participants to and from the center, plus hired and non-owned auto.
Workers’ compensation
Required in nearly every state. Lifting and transferring participants is a leading cause of staff injuries.
Medical day and social day programs.
Adult day health programs, often called medical day care, provide nursing, therapy and other health services, and are generally licensed or certified by the state. Many participate in Medicaid. Professional liability is central to these programs, and carriers will ask about clinical staffing, medication administration and licensure surveys.
Social adult day programs focus on supervision, meals and activities for participants who do not need medical care during the day. Rules for them vary widely from state to state, and their coverage centers on general liability, abuse coverage and transportation.
Tell us exactly which services you provide and how you are licensed or certified. The wrong classification can leave a gap at claim time.
Your vans may be your biggest exposure.
Many adult day programs transport participants every day, and transportation is often part of the service. A single accident with a full van can involve several injured passengers at once.
Carriers look closely at driver records, vehicle types, wheelchair lifts and securement, and training. Staff who drive their own cars for errands or outings create hired and non-owned auto exposure.
If you contract transportation out, get certificates showing the transportation company’s auto liability, and ask to be named as an additional insured.
What carriers will ask about your center.
- Licensure and services.Medical or social, census and the services you provide.
- Staffing.Nursing coverage, ratios, background checks and training.
- Incident management.How falls, elopement and incidents are documented and reported.
- Transportation.Vehicles, drivers, routes and whether any is contracted.
- Loss history.Three to five years of loss runs for every line.
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 center with carriers that understand adult day and senior care 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.
Adult day care insurance questions, answered.
What insurance does an adult day care center need?
Most need professional and general liability, abuse and molestation coverage, commercial auto, workers’ compensation and property. Cyber, employment practices and D&O coverage are usually recommended as well.
Does it matter whether we are a medical or social day program?
Yes. Medical day programs are generally licensed or certified health facilities, so professional liability is central. Social programs are regulated differently from state to state. Your licensing affects how carriers classify and price your program.
Does general liability cover abuse allegations?
Often not. Many general and professional liability policies exclude abuse and molestation, so coverage usually needs to be added by endorsement or bought as a separate policy.
What auto insurance does an adult day care need?
Commercial auto for owned vans and buses, with limits appropriate for carrying multiple passengers, plus hired and non-owned auto for staff using personal vehicles for work. If transportation is contracted, get proof of the contractor’s coverage.
Is workers’ compensation required for adult day care staff?
In nearly every state, yes. Lifting and transferring participants makes it an important coverage for day programs.
Do adult day cares need cyber insurance?
Usually, yes. Programs hold participants’ health and personal information, and a breach or ransomware attack can bring notification costs, regulatory scrutiny and lawsuits.
Can you insure an adult day care that is part of a larger senior care operation?
Yes. We can coordinate the day program with assisted living, skilled nursing or home care operations under one program, so nothing falls between policies.
Let’s protect your participants, your staff and your center.
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