Specialized Adult Daycare Program from Vintage Underwriters
Vintage Underwriters offers a focused Adult Daycare Program to help agents place licensed adult daycare facilities in Texas. Using a non-admitted platform and access to Mesa Specialty, this program is designed for accounts that may be hard to place with standard carriers—providing flexible underwriting and tailored coverage options for specialized or underserved risks.
Ideal Accounts and Target Risks
This program is intended for licensed adult daycare providers that deliver supervised daytime care, social activities, and basic health monitoring for seniors or adults with disabilities. Typical fits include:
- Privately owned adult daycare centers and community-based daytime programs
- Centers that provide memory-support or dementia programming during daytime hours
- Non-medical support centers serving adults with developmental or cognitive disabilities
Accounts that commonly fit have structured staff-to-client ratios, documented staff training, and facilities that operate on a daytime schedule rather than providing 24-hour skilled nursing. Examples you might place through this program: a neighborhood adult daycare serving 20–30 participants daily with supervised activities and transportation, or a larger center offering specialized dementia-friendly programming and enhanced staff training.
Coverage Highlights and Advantages
The Adult Daycare Program packages core liability and property protections important to this class of business. Key coverages may include:
- General Liability for premises and operations
- Professional Liability where applicable for caregiving services
- Abuse and Molestation coverage tailored to vulnerable populations
- Property and Business Interruption coverage for owned locations
- Hired and Non-Owned Auto coverage if transportation exposures exist
Being non-admitted allows for broader underwriting flexibility and customizable terms when standard markets decline or limit capacity. That makes this program useful for accounts with unique exposures, specialized services, or prior claims history that require a tailored approach.
Underwriting Guidelines and Minimum Premium
Underwriters evaluate licensing and regulatory compliance, the scope of services offered, staff qualifications and training programs, safety and incident protocols, client intake and supervision practices, and loss history. The program generally favors licensed, daytime-only operations with documented risk management practices. Accounts providing 24-hour skilled nursing or intensive medical care are typically outside the appetite.
Minimum premium starts at $500, which helps make the program accessible for small to mid-size daycare operators. Specific terms and pricing are determined case-by-case based on exposures and underwriting information.
Available in Texas
This program is available for adult daycare providers located in Texas. If your client operates in the Lone Star State and needs placement in the non-admitted market, Vintage Underwriters can help navigate options through Mesa Specialty.
Why Partner with Vintage Underwriters?
Vintage Underwriters brings underwriting experience and a focused appetite for adult daycare risks. Their non-admitted platform and carrier access through Mesa Specialty provide a practical solution when admitted markets are limited. Agents benefit from Vintage Underwriters’ willingness to consider complex or borderline accounts, responsive underwriting, and a hands-on approach to structuring coverage for vulnerable client classes.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Privately owned adult daycare centers, facilities offering memory support or daytime dementia programming, and licensed non-medical support centers for adults with developmental disabilities in Texas are good fits.
Is this program admitted or non-admitted?
This program is non-admitted, which allows greater flexibility in underwriting and coverage wording for specialized or hard-to-place risks.
What is the minimum premium for this program?
The minimum premium starts at $500, making the program suitable for small to mid-sized daycare operations. Final premium depends on exposures and underwriting details.
Which carrier backs this program?
The Adult Daycare Program is written through Mesa Specialty.
What underwriting information is needed to get a quote?
Underwriters typically request licensing documentation, a description of services, staff training and supervision protocols, loss history, facility details, and any risk management procedures in place.
Need help placing an account? Connect with a market specialist.