Adult family home insurance for Washington operators
Your residents trust you with their care. We build programs that protect your residents, your home and your livelihood from the particular liability of residential care, at limits that meet DSHS licensing requirements.
DSHS-compliant programs · Same-day certificates
Insurance is a licensing requirement, and more
Adult family home insurance protects your care facility, your residents and your livelihood from the risks of residential care. Under Washington State DSHS rules, proper insurance is required for licensing. Beyond compliance, the right program protects everything you have built, and a homeowner's policy typically excludes business activities.
The claims that put an AFH at risk
Illustrative examples of how a single care incident escalates, and the coverage that protects your home, your finances and your license.
A nighttime fall and a wrongful-death suit
An 82-year-old resident with dementia falls while trying to use the bathroom at night and breaks a hip that requires surgery. She develops pneumonia during recovery and dies six weeks later. The family sues for wrongful death, alleging inadequate supervision, improper bed-rail safety and no fall-prevention protocol. Defense costs alone exceed about $180,000, and a homeowner's policy excludes business activities.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your home
Every AFH starts with professional liability, general liability, abuse, property and business income. Tell us how your home operates to see what else typically applies. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
9 coverages — a starting point for a conversation, not a quote.
- Professional Liability (E&O)Negligent-care, treatment and medication allegations.
- General LiabilitySlip-and-fall and premises claims from visitors.
- Abuse & MolestationDefense and judgments, even if unfounded.
- Property InsuranceYour home, furnishings and medical equipment.
- Business InterruptionLost income if the home must temporarily close.
- Workers' CompensationRequired for caregivers and staff.
- Employment Practices LiabilityWrongful termination, discrimination and harassment.
- Cyber LiabilityResident records and HIPAA data-breach exposure.
- License Protection EndorsementLegal costs for DSHS investigations and hearings.
From first call to compliant certificate
Understand your home
Resident count and acuity, staffing and medication administration, transportation, and whether you bill Medicaid or private pay, so the program matches your real exposures rather than a generic care template.
Go to care specialists
AFHs are a specialty class, so we approach carriers that write residential care and understand abuse, professional liability and license exposures, with competitive pricing for well-run homes and options for new or growing facilities.
Build the program
Professional liability, general liability, abuse and molestation, property, workers' comp and a license-protection endorsement at DSHS-compliant limits, with property, auto, cyber and umbrella as your home needs.
Compliance and certificates
Same-day certificates for DSHS, Medicaid and discharge planners, additional-insured and verification endorsements, claims advocacy, defense coordination and regulatory-notification guidance when a serious incident occurs.
Every policy an adult family home may need
Filter by type or search for a specific coverage.
Professional Liability (E&O)
$1M to $3M for negligent care, treatment errors, medication mistakes and failure to supervise, with defense costs from the first dollar.
Abuse & Molestation
Allegations of physical, emotional or sexual abuse: defense, settlements and judgments, even when claims prove unfounded.
License Protection Endorsement
Legal costs from DSHS investigations, license defense and regulatory hearings that threaten your operating license.
General Liability
$1M to $2M for slip-and-fall injuries to visitors, property-damage claims and premises incidents on your AFH property.
Property Insurance
Your home, furnishings, medical equipment and residents' personal property against fire, theft, storms and other covered perils.
Business Interruption
Lost income if your AFH must temporarily close after a covered event.
Commercial Umbrella
$1M to $5M of additional liability above your primary policies for claims that exceed base limits.
Workers' Compensation
Mandatory coverage for caregivers, nurses and staff, including the lifting injuries common in care settings.
Employment Practices Liability
Wrongful termination, discrimination, harassment and other employment claims from caregivers and staff.
Commercial Auto
Vehicles used to take residents to appointments, activities and outings, including wheelchair-accessible vans.
Hired & Non-Owned Auto
Employee personal vehicles used for errands, supply runs and resident transportation when your vehicle is unavailable.
Cyber Liability
Data breaches involving resident medical records and personal information, plus HIPAA compliance violations.
Brokers who understand residential care
AFH experience
Since 1992 we have insured Washington care facilities. We understand WAC 388-76, DSHS inspection processes and the liability exposures AFH operators face daily.
DSHS and Medicaid compliance
We confirm your coverage meets DSHS licensing requirements, including minimum limits, abuse-coverage mandates and endorsements, and issue same-day certificates for Medicaid providers and hospital discharge planners.
Claims and incident response
After a serious incident you have direct access to your advisor for reporting, regulatory-notification guidance and crisis-management coordination, plus defense-attorney coordination to protect your license and reputation.
Get your adult family home insurance quote
A quote built around your home, your residents and your license. Prefer email? Reach us at info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, regulatory or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting and DSHS requirements.