Adult Day Care Insurance

Overview of the Program From Cochrane & Company

This program is designed for independent agents and brokers who need a specialized market for adult day care operations. Cochrane & Company provides flexible liability and property options, plus abuse coverage and an E&O component, to help you place accounts that may not fit standard commercial carriers.

Ideal Accounts and Appetite

• Licensed, commercially operated adult day care facilities that provide social activities and minimal medical care.
• Majority of attendees should be ambulatory.
• Programs will consider facilities with up to 35% Alzheimer's/dementia clients provided anti-wandering devices are installed on exits.
• Facilities with swimming pools will be considered (underwriting review required).
• Not intended for residential care, skilled nursing, or facilities providing significant medical or 24-hour custodial care.

Coverage Highlights and Advantages

• Commercial General Liability
  • Primary limits available up to $3,000,000 occurrence/aggregate.
  • Excess/umbrella capacity available up to $25,000,000.
  • Included coverages:
    • Medical Payments — $5,000 limit
    • Additional insureds/Additional interests
    • Errors & Omissions coverage part included
    • Sexual and Physical Abuse coverage — policy limits up to $100,000 per claim / $300,000 aggregate (higher optional limits available)
  • No deductible required for general liability on standard placements.

Property Coverages

• Building and Business Personal Property
• Business Income / Extra Expense
• Forms: Basic, Broad, or Special
• Valuation: Replacement Cost or Actual Cash Value
• Equipment Breakdown
• Food Spoilage
• Accounts Receivable
• Computer Equipment
• Outside Signs and Valuable Papers

Underwriting Notes and Minimum Premiums

• Underwriting focuses on staffing, client mix, physical security (including anti-wandering measures), activity supervision, and pool safety where applicable.
• Facilities serving higher percentages of memory-care clients require documented risk controls and may have added conditions.
• Minimum premium varies by state, carrier selection, and coverage configuration; premium is listed as “Varies.”
• Carriers: varies by account; Cochrane & Company places business with multiple markets.
• Admitted status: program availability varies; contact Cochrane & Company to confirm whether admitted or surplus placement applies for a given state and account.

Territories and Availability

This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, WY. Availability and terms may vary by state and carrier.

Why Work With Cochrane & Company on Adult Day Care Business

• Specialized appetite for licensed adult day care operations that need liability and property protection beyond standard commercial lines.
• Flexible limits and package options, including sexual/physical abuse limits and an E&O component suited to social-care exposures.
• Underwriting that will consider dementia clients with proper anti-wandering controls and facilities with pools (subject to inspection/risk controls).
• Multiple market access through a managing general agency structure — helpful when standard carriers decline or limit terms.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.