What is Residential Care Plus Program?
The Residential Care Plus Program is a specialized insurance solution designed for facilities that provide housing and support services to individuals who need assistance with daily living. This may include adult foster homes, group homes, assisted living facilities, and other residential care providers. The program offers a package of coverages tailored to the unique risks faced by these types of residential operations.
Who needs it
This insurance program is essential for organizations that operate residential care facilities. This includes private businesses, non-profits, and sole proprietors running:
- Assisted living centers
- Adult foster care homes
- Developmental disability homes
- Group homes for youth or adults
- Transitional housing with supportive services
Whether you are caring for seniors, individuals with disabilities, or those recovering from mental health or substance use issues, this program helps protect your operations, staff, and residents.
What it typically covers
The Residential Care Plus Program generally includes a combination of property and liability coverage. Common coverages include:
- General liability – protects against third-party injury or property damage claims
- Professional liability – covers errors or omissions related to the care provided
- Property insurance – covers buildings, contents, and equipment
- Abuse and molestation liability – helps protect against claims of abuse by staff or volunteers
- Workers' compensation – required in most states to cover employee injuries
- Business income coverage – can help replace lost income during a covered loss
Common exclusions/limitations
As with any insurance, certain risks may be excluded. Common exclusions can include:
- Intentional acts
- Criminal activity
- Claims arising from unlicensed or uncertified operations
- Pre-existing property damage or liability issues
Coverage terms and exclusions vary, so it's important to review your policy carefully and ask your agent about any specific concerns.
Factors that influence cost
Premiums for the Residential Care Plus Program depend on several factors, such as:
- Number of residents and staff
- Level of care provided
- Claims history
- Location and condition of the property
- Licensing and regulatory compliance
Each facility is unique, and insurers will tailor quotes based on your specific operations and risk profile.
Proof of insurance & compliance
Most states require residential care facilities to carry certain minimum insurance coverages as part of their licensing requirements. Proof of insurance may be needed to obtain or renew a license, or to secure contracts with government agencies and referral partners. Always check with your local regulator to confirm specific requirements for your facility type and location.
How to get a quote
Ready to protect your residential care facility? Get started with a personalized insurance quote tailored to your operations. Request a quote today.
Frequently Asked Questions
What types of facilities are eligible for the Residential Care Plus Program?
Facilities such as adult foster homes, group homes, assisted living centers, and developmental disability homes are typically eligible.
Is professional liability included in this program?
Yes, most policies under the Residential Care Plus Program include professional liability to cover care-related errors or omissions.
Do I need separate workers’ compensation insurance?
Workers’ compensation is often included or available as an add-on, depending on state requirements and your staffing needs.
Can I adjust coverage based on the number of residents?
Yes, coverage limits and premiums can often be adjusted to reflect the size and scope of your facility.
What information do I need to get a quote?
You’ll typically need details about your facility's operations, number of residents and staff, licensing status, and any previous claims.
Still have questions? Talk to a local insurance expert.