Across Texas, thousands of care providers serve vulnerable residents with professionalism, compassion, and consistency. From retirement communities to adult care homes and skilled nursing facilities, these operations are built on trust. But even with the highest standards, they face risks that require thoughtful insurance planning.
At Rollo Insurance, we understand how complex this work can be. That’s why we help protect your facility with insurance that covers your people, your property, and your mission.
The Real-World Risks of Long-Term Care
Providing care means you face more than the usual business risks. Every type of facility has its own unique challenges, but here are some of the most common across the industry:
Professional Liability
This covers claims related to negligence or failure to provide proper care. A nursing home might face medical liability claims. An assisted living facility may be exposed to risks from personal care situations, like a resident fall or a missed wellness check. Facilities that support adults with special needs often need protection for issues tied to care plans or supervision.
Abuse and Neglect
Even with proper training and hiring, claims of mistreatment can happen. Whether physical, emotional, or financial, these claims carry high legal costs and can damage your reputation.
General Liability and Premises Risk
Daily activity from residents, visitors, and staff creates constant exposure to slip-and-fall injuries, kitchen incidents, and other property-related claims.
Property Damage
Care facilities rely on specialized equipment. Fire, weather, or theft can cause significant disruptions and loss, especially in areas of Texas that see severe storms.
Employment Practices
Hiring and staff turnover come with risks. Claims related to harassment, discrimination, or wrongful termination are common across the care industry.
Cybersecurity
Care facilities hold large volumes of protected health and financial data. A data breach could lead to regulatory fines, lawsuits, and business interruption.
Transportation Exposure
If your staff drives residents to appointments or uses personal vehicles for business, you’ll need the right protection for accidents and injuries.
What Coverage Does Your Facility Need?
The best insurance strategy combines several policies into one comprehensive protection plan. No single policy covers every risk, so it’s important to build a full picture.
Professional Liability (Malpractice) Insurance
This policy protects against claims involving errors or omissions in resident care. For facilities providing skilled medical support, broader protection is usually required. Assisted living centers and adult care homes also need tailored coverage to reflect the type of care they provide.
General Liability Insurance
Covers claims involving third-party injuries or property damage. This includes things like a visitor injury in your facility or accidental damage caused by daily operations.
Abuse and Molestation Coverage
This specialized policy protects the facility against allegations of abuse. Most general liability policies exclude this risk, so it is critical to add the right coverage.
Commercial Property Insurance
Covers your building (if you own it), your equipment, furniture, and business property. Even if you rent your space, you are still responsible for your own assets.
Workers’ Compensation Insurance
Covers medical care and lost wages if an employee is hurt on the job. While Texas does not always require this, many facilities choose to carry it due to the physical nature of caregiving.
Commercial Auto Insurance
Covers vehicles owned and operated by your business. If you provide transportation for residents or errands, this coverage is essential.
Hired and Non-Owned Auto Insurance
Applies when employees use personal vehicles for work tasks. It covers liability in case of an accident, and it fills a common gap in many policies.
Cyber Liability Insurance
Protects you from the costs associated with data breaches and system hacks. It may also include credit monitoring, legal defense, and HIPAA-related penalties.
Employment Practices Liability Insurance (EPLI)
Covers claims from employees related to hiring, firing, harassment, and other employment-related disputes.
Umbrella or Excess Liability Insurance
Provides an extra layer of liability coverage once your other policy limits are reached. This is especially important when facing lawsuits with large potential settlements.
What Does Insurance Cost in Texas?
Costs vary widely, depending on your facility’s size, services, and history. A small assisted living home might pay $5,000 to $20,000 per year. Larger facilities that offer skilled care can pay significantly more.
Here are some of the factors that affect cost:
- Type of facility and level of care
- Number of beds and residents
- Location within Texas
- Prior claims and loss history
- Risk management practices, like staff training and background checks
Facilities with good safety protocols and low claims history may qualify for better pricing or coverage options.
Why Partner With Rollo
You are focused on caring for others. We are focused on protecting you. At Rollo, we don’t offer one-size-fits-all solutions. We take the time to learn about your facility, understand your exposures, and recommend the right plan for your specific needs.
When you work with us, you get a partner who understands the real risks you face and helps you prepare for them. You also get clear advice, responsive service, and a plan that works when it matters most.
Let’s talk about your facility. Schedule a consultation today.
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