Adult Day Care Business Insurance: How to Get the Right Coverage
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Running an adult day care facility comes with tremendous responsibility, and insurance is one of the most important parts of protecting your clients, your staff, and your business. Whether you’re opening a new center or reviewing your current policy, understanding adult day care business insurance is essential for staying compliant, reducing risk, and securing affordable coverage.
In this guide, we break down what coverage you need, what it costs, and how to quickly get an adult day care business insurance quote with a trusted partner like Wexford Insurance.
Why Adult Day Care Facilities Need Specialised Insurance
Adult day care centers face unique risks. You care for vulnerable adults, manage medical needs, and operate in a high‑touch environment. Because of this, you need insurance tailored to your operations—not a generic business policy.
Common risks include:
Accidental injuries or falls
Medication errors
Transportation‑related incidents
Abuse or neglect allegations
Property damage and equipment loss
This is why carriers offer specialised adult day care business insurance, designed specifically for the industry.
Read More: Learn more about About Older Adult Fall Prevention from CDC.GOV
Essential Insurance Coverages for Adult Day Care Businesses
To protect your adult day care facility, your policy should include:
Covers slips, falls, or injuries at your facility.
Protects against claims of negligence, care mistakes, or improper supervision.
A required protection for facilities serving vulnerable adults.
Required in most states for employees.
Covers your building, equipment, and supplies.
Needed if you transport clients.
Most insurance carriers bundle these into a comprehensive adult day care business insurance package.
How Much Does Insurance Cost for an Adult Day Care Facility?
The insurance cost for an adult day care facility ranges widely based on:
Number of clients served
Level of medical care provided
Staffing levels
Claims history
Location
Transportation services
Most adult day care owners request quotes during renewal season or when expanding services.
How to Get the Right Coverage for Your Adult Day Care
The fastest way to secure the best coverage is to work with an agency that:
✔ Specialises in adult day care business insurance
✔ Has access to national carriers
✔ Understands compliance requirements
✔ Shops multiple quotes for you
That’s exactly what Wexford Insurance does.
Get an Adult Day Care Business Insurance Quote
Wexford Insurance works with insurance companies across the nation that specialise in adult day care facilities. We help you compare coverage, reduce premium costs, and ensure your facility meets state insurance requirements.
👉 Get a fast, no‑obligation adult day care business insurance quote at Wexford Insurance Or contact us directly and we’ll walk you through the process step by step.
