Adult Family Home Insurance

Welcome to First Underwriters Insurance Brokers' Adult Family Home Insurance page, where we specialize in providing comprehensive insurance coverage tailored to the unique needs of adult family home owners. As a provider of care for vulnerable adults, your facility faces specific risks and liabilities that require specialized insurance protection. Our Adult Family Home Insurance policies are designed to safeguard your business, your residents, and your livelihood against unforeseen events and potential liabilities.

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Adult Family Home Insurance

Adult Family Home Insurance

First Underwriters Insurance Brokers offers insurance for personal care homes, adult care homes, adult family homes, adult foster homes, assisted living facilities, and assisted living homes in Washington, Oregon, California, and Texas.

Assisted living facilities vary greatly in size and structure. Facilities can range from a high-rise apartment complex, to a converted home, to a renovated school. Most facilities have between 25 and 120 dwelling units, but facilities may be larger or smaller. The vast majority of the facilities operated by professional owners and managers have been built since 1990. Assisted living facilities may be freestanding operations or they may be integrated with hospitals, nursing homes, continuing care retirement communities, or independent housing complexes that offer different levels of care. 

Regardless of the Size and Service provided, First Underwriters Insurance Brokers will align the right insurance carrier for your Adult Family Home.

Lines of Coverage:

A.M. Best's Hazard Index for Assisted Living Facilities

Lines of Coverage
Hazard Index
Underwriting Comments

Automobile Liability


Frequent transportation of residents to offsite locations; accidents involving multiple claimants could occur.

General Liability: Premises and Operations


Large numbers of daily visitors; accidental injuries to
residents also covered here.

Professional Liability


Training and credentials of all caregivers and medical staffwill be a primary concern under this line of coverage.

Workers Compensation


Back injuries and worker burnout may be common; possible exposure to contagious illnesses and bloodborne pathogens for medical staff and caregivers.

For Additional Information – In addition to the links and references provided on this page, the following is a list of useful information sources concerning assisted living facilities:

Insurance for Businesses: How it Works

3 Easy to Follow Steps for Securing Your Business Bottom Line and Financial Future

Connect with a Business Insurance Professional

Our team consists of experienced insurance professionals with in-depth knowledge of various industries and market trends.

We'll Find the Right Coverage and Price

We have established strong relationships with leading insurance carriers, allowing us to offer competitive rates and access to a wide range of coverage options.

Confirm and Bind the Right Insurance Policy

Partner with First Underwriters, Inc. to secure the right policy and promptly receive certificates of insurance tailored to your needs.

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