What Kind of Insurance Does an Adult Day Care Facility Need?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 26, 2025
- 2 min read
Running an adult day care facility comes with unique risks, from client injuries to property damage. Protecting your business with the right insurance is critical for long-term success.
In this guide, we’ll cover the key insurance policies adult day care owners need and explain why each is important.
Essential Insurance for Adult Day Care Facility
What it covers:
Client or visitor injuries on your premises
Property damage to others’ property
Legal defense costs
Why it’s important:
Accidents happen, even with the most careful staff. General liability insurance ensures your facility is protected against costly lawsuits.
What it covers:
Building and facility damage from fire, storm, or vandalism
Equipment and furniture replacement
Loss of income due to property damage
Why it’s important:
Adult day care facilities have specialized equipment and client spaces that need protection. Property insurance safeguards your investment and ensures business continuity.
3. Workers’ Compensation Insurance
What it covers:
Medical expenses and lost wages for employees injured on the job
Legal fees if an employee sues for a workplace injury
Why it’s important:
Adult day care staff often lift or assist clients, creating a higher risk of workplace injuries. Workers’ compensation insurance protects both your employees and your business.
What it covers:
Errors or omissions in care or services
Allegations of negligence
Legal defense costs
Why it’s important:
Even with trained staff, mistakes in care can happen. Professional liability insurance provides coverage if a client claims harm due to an error in your services.
What it covers:
Vehicles used to transport clients or staff
Accidents and liability while driving for business purposes
Why it’s important:
If your adult day care provides transportation, this insurance ensures both passengers and vehicles are protected in case of an accident.
Optional Insurance Policies
Depending on your facility’s size and services, consider:
Business interruption insurance – Covers lost income due to unforeseen events
Cyber liability insurance – Protects client data if digital records are compromised
Umbrella insurance – Provides additional coverage beyond standard policies
Protect Your Adult Day Care with Wexford Insurance
Wexford Insurance specializes in helping adult day care owners nationwide find coverage tailored to their unique risks. We partner with top carriers to provide:
Comprehensive liability coverage
Property and vehicle protection
Employee and professional safeguards
Final Thoughts
Insurance is not optional for adult day care owners—it’s essential. The right coverage protects your staff, clients, and business, giving you peace of mind while running a successful facility. Evaluate your needs, choose appropriate policies, and secure your business with Wexford Insurance.
Contact us today.
