Insurance Cost for an Adult Day Care Facility: Full Pricing Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 3 min read
If you operate an adult day care facility, understanding insurance cost is one of the most important parts of managing your business. Insurance for adult day care centers is specialised, and pricing can vary based on your services, location, staffing, and risk profile.
This guide breaks down the insurance cost for an adult day care facility, what impacts your premiums, what coverage you need, and how to get an accurate quote quickly, especially through a speciality agency like Wexford Insurance.
Average Insurance Cost for an Adult Day Care Facility
Insurance premiums can vary widely, but most adult day care owners can expect these estimated annual ranges:
General Liability: $900 – $3,500
Professional Liability: $1,200 – $4,000
Abuse & Molestation Coverage: $800 – $3,000
Workers’ Compensation: Varies by state; usually $2,500 – $7,000
Commercial Property Insurance: $800 – $5,000
Commercial Auto (if transporting clients): $1,200 – $5,000
Total estimated cost for a typical adult day care facility:👉 $5,000 – $20,000+ annually depending on size, services, and risk exposure. For more information about Adult Day Care Costs visit Seniorliving.org
What Factors Affect the Insurance Cost for an Adult Day Care Facility?
Insurance companies look at several risk indicators when setting your premium:
1. Number of Clients Served
More participants = higher liability exposure = higher cost.
2. Medical Services Offered
Facilities offering medication administration or skilled nursing generally pay more.
3. Staff‑to‑Client Ratios
Lower ratios may result in lower premiums because they reduce risk.
4. Transportation Services
If you transport clients, expect increased auto and liability costs.
5. Claims History
A clean loss history reduces insurance cost; past claims increase it.
6. Location & Building Type
States with higher labor laws or litigation risk may cost more.
7. Security Measures
Things like cameras, background checks, and safety protocols can reduce premium.
Which Coverages Affect Insurance Pricing the Most?
The coverages that have the largest impact on cost are typically:
General Liability (high exposure due to slip‑and‑fall risk)
Abuse & Molestation Coverage (mandatory for vulnerable‑adult facilities)
Workers’ Compensation (caregiver physical strain increases risk)
Understanding the cost drivers helps you prepare for more accurate budgeting and smoother quoting.
How to Get the Best Insurance Pricing for an Adult Day Care
You can reduce your overall insurance cost by:
✔ Maintaining detailed safety procedures
✔ Keeping accurate incident logs
✔ Conducting background checks on staff
✔ Implementing fall‑prevention programs
✔ Using a specialty insurance agency
General insurance agents often don’t know which carriers insure adult day care centers, leading to higher pricing—or outright declines.
This is where Wexford Insurance makes the difference.
Get an Accurate Adult Day Care Insurance Quote
Wexford Insurance partners with multiple national carriers that specialise in adult day care business insurance, allowing us to:
Compare pricing from multiple companies
Identify discounts and cost‑saving opportunities
Match coverage to your exact services
Help you understand every part of your policy
Provide fast, accurate quotes tailored to your facility
Whether you’re starting a new adult day care or renewing your existing policy, we make the process simple and affordable.
👉 Get a fast, free adult day care business insurance quote at Wexford Insurance Your coverage matters, and we’re here to help you protect your business and your clients.
