Insuring senior living communities requires deep sector knowledge and tailored products. Affinity Healthcare brings more than 30 years of experience serving nonprofit senior living and aging services providers. We give agents and brokers a focused, trusted program — backed by LeadingAge endorsement, targeted underwriting, and carrier relationships — so you can confidently grow and retain senior living business.
Ideal Accounts and Appetite
This program is purpose-built for nonprofit senior living and aging services providers. Eligible risks include:
- Continuing Care Retirement Communities (CCRCs)
- Skilled Nursing Facilities (SNFs)
- Assisted Living and Personal Care Operations
- Independent Living / Senior Housing Operations
- Home and Community-Based Services for the Elderly
- Programs of All-Inclusive Care for the Elderly (PACE)
If you place nonprofit senior housing or elder care organizations that operate a continuum of care, this program offers coverages and enhancements aligned with the operational and regulatory realities of the sector.
Coverage Highlights and Advantages
The Senior Living Commercial Insurance Program delivers a full suite of property and casualty coverages designed for aging services organizations. Core limits and forms can be tailored to match client operations. Key coverages include:
- Building & Personal Property
- Commercial General Liability*
- Professional Liability*
- Directors’ & Officers’ Liability
- Business Income / Extra Expense
- Equipment Breakdown
- Inland Marine and Crime
- Commercial Automobile
- Follow Excess Form
*Certain liability coverages may qualify for a 10% risk management credit — ask your Affinity representative for details.
Senior care–specific enhancements include:
- Abusive Act Liability Coverage
- Crisis Management Coverage
- E-Discovery and Regulatory Investigation Expense Coverage
- Volunteer Worker Medical Payments
- Administrative Proceeding Expense Reimbursement
- Coverage for services such as counseling, beautician/barber, social services, and clinical trials
Underwriting Notes and Minimum Premiums
Affinity Healthcare offers flexible underwriting and tailored placements for nonprofit accounts. There is no stated minimum premium, which allows submission of a range of account sizes from small, single-site assisted living homes up to larger CCRCs. Underwriting focuses on operational controls, staffing models, claim history, and risk-management programs.
Example fits:
- You might have a small nonprofit operating a handful of assisted living homes that needs combined property, GL and limited professional liability on an admitted form.
- Or submit a larger CCRC with multiple care levels that requires D&O, broad property coverage, business income and specialized crisis-management limits.
Territories and Availability
This program is available on an admitted basis in all 50 states and Washington, D.C. Coverage is underwritten by established carriers, including:
- D&O Coverage: Arch and CNA
- Property & Casualty: Zurich
Why Work With Affinity Healthcare?
Affinity Healthcare is a program administrator focused on senior living and aging services. We combine deep industry experience, strong carrier partnerships, and LeadingAge endorsement to help you place complex nonprofit accounts. Affinity supports agents with underwriting guidance, risk-management tools, and placement assistance designed to help you win and retain clients in this specialized market.
Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets nonprofit senior living organizations, including CCRCs, skilled nursing facilities, assisted living operations, independent living, and similar aging services providers.
What states is this program available in?
The program is offered on an admitted basis in all 50 states and Washington, D.C.
Are risk management services included?
Yes. Affinity Healthcare provides underwriting support and risk management tools; qualifying clients may also be eligible for a 10% risk management credit on certain liability lines.
What carriers underwrite this program?
D&O coverage is placed with Arch and CNA. Property and casualty placements are underwritten by Zurich.
Is there a minimum premium required?
No minimum premium is stated, allowing agents to submit accounts of various sizes for consideration.
Need help placing an account? Connect with a market specialist.