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Caring Communities Members operate more than 800 communities, from Hawaii to New York. With our combined purchasing power and commitment to innovation, we’ve created customized insurance programs tailored to the senior living operator.

Professional & General Liability

Caring Communities’ flagship product is Professional and General Liability Insurance. This important coverage provides senior living communities with protection against claims alleging negligence while providing professional services to residents and patients, as well as claims alleging bodily injury and property damage brought by non-residents and patients.

Directors & Officers Liability

D&O is a targeted coverage that reduces your organization’s exposure to litigation brought against executives and board of directors working on your organization’s behalf.

Employment Practices Liability

EPLI covers your organization’s defense costs and damages resulting from employee lawsuits that may allege discrimination, harassment, wrongful termination, failure to promote, and others.

Fiduciary Liability

Fiduciary Liability insurance covers defense costs and damages related to claims against fiduciaries. If your organization sponsors a retirement or health plan for employees you are likely considered a fiduciary. As a fiduciary, trustees have the duty to act solely in the interest of plan participants and beneficiaries.

Cyber Liability

More important than ever, cyber liability insurance protects your company in the event of a cyber attack or data breach. If sensitive information is compromised in an attack, this policy will pay the costs to notifying your residents or staff and cover civil damages if you are sued.

Commercial Crime

Protect your organization from financial losses related to business-related crime committed by parties outside of your organization and employees. Coverage may include theft, forgery, robbery, and electronic crime.


If your organization owns motor vehicles or uses motor vehicles for business or transportation, then commercial auto insurance is essential. Coverage may include liability, uninsured/underinsured motorists, and physical damage to help keep you mobile.

Excess Liability

Make sure your organization is appropriately covered with excess liability insurance in the event you exhaust the primary limits of your underlying policies. Excess coverage provides additional limits on insurance but does not broaden coverage.


With commercial property insurance your organization can protect physical assets and manage property-related risks specific to senior living communities like yours. Recover quickly from unexpected events which may include fires, windstorms, theft and vandalism based on policy terms.

Health Benefits Program

Caring Communities’ health benefit program was specifically designed for senior care and housing organizations to provide employee benefit and wellness solutions in order to keep employees healthy and happy.


We transform insurance premium expense into a performing asset.

All Members share in the ownership of Caring Communities. By purchasing insurance from a company they own, Members receive all profits, returned in the form of cash and equity. Through their partnership with other premier organizations, equally invested in success, Members are prepared to meet existing and emerging risks that face the senior care industry.


Caring Communities maintains an “A” Excellent Financial Strength Rating from A.M. Best – the nation’s oldest and leading independent insurance company rating agency.