Insurance for Personal Care Homes
Personal care homes provide residential care and assistance with activities of daily living for adults who need support but do not require skilled nursing care. Operating in a home-like environment with small resident populations, personal care homes face significant liability exposure from falls, medication management, abuse and neglect allegations, and the challenges of providing 24-hour supervision with limited staff. Grandbay places programs for licensed personal care home operators across all states.
Purpose-Built Programs for Personal Care Homes
Personal care homes provide residential care and assistance with activities of daily living for adults who need support but do not require skilled nursing care. Operating in a home-like environment with small resident populations, personal care homes face significant liability exposure from falls, medication management, abuse and neglect allegations, and the challenges of providing 24-hour supervision with limited staff. Grandbay places programs for licensed personal care home operators across all states.
What We Cover
Professional Liability
Coverage for claims arising from the care and supervision of personal care home residents, including falls, medication errors, and care plan failures.
General Liability
Premises coverage for resident, family, and visitor injuries at the personal care home.
Abuse & Molestation
Coverage for allegations of resident abuse, neglect, and exploitation — a critical coverage for all residential care operators.
Workers Compensation
Coverage for caregiving staff, including patient handling injuries and workplace violence incidents.
Property
Coverage for the personal care home structure, furnishings, and resident property.
Commercial Auto / Non-Owned Auto
Coverage for transporting residents to medical appointments and community activities.
Key Exposures We Address
Personal Care Homes operations carry distinct risks that require specialized coverage strategies. Our team identifies and mitigates the exposures most likely to impact your business.
Ready to Protect Your Personal Care Homes Operation?
Our specialists are ready to design a program tailored specifically to your operations, exposures, and growth objectives.