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Why do senior centers need insurance?
With seniors, even a minor incident can lead to serious injury. An elderly person’s slip-and-fall accident or an accusation of negligence could financially devastate your facility. Senior center insurance covers the costs of lawsuits and accidents that might otherwise put you out of business.
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With Insureon, senior centers can get insurance coverage the same day they apply for quotes.
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What types of business insurance do senior centers need?
These policies provide coverage for the most common risks of senior centers.
General liability insurance
General liability insurance covers third-party risks, such as a senior tripping on a rug and breaking a hip. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged client property
- Libel and slander lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for senior centers to buy general liability insurance and commercial property insurance together.
BEST FOR
- Client injury
- Damage to client property
- Damage to senior center property
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), can cover expenses if your senior center is sued for negligence, such as failure to supervise a client with dementia.
BEST FOR
- Accusations of negligence
- Failure to provide promised services
- Failure to recognize a client’s needs
Directors and officers insurance
Directors and officers insurance (D&O) covers legal expenses if a board member or officer is sued for a decision made on behalf of your senior center that led to financial loss.
BEST FOR
- Accusations of mismanaged funds
- Failure to meet regulatory standards
- Failure to perform official duties
Workers’ compensation insurance
Most states require workers' compensation for senior centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance provides coverage when an accident involving your senior center's vehicle leads to an injury or property damage.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Repairs due to vandalism or weather
Looking for different coverage? See more policies.
How much does senior center insurance cost?
A small senior center will pay less for commercial insurance than a larger company.
Factors that affect the cost of small business insurance include:
- Services offered, such as group outings and health screenings
- Business property and equipment
- Business income
- Business operations
- Types of insurance purchased
- Policy limits and deductibles
How do I get senior center insurance coverage?
It's easy to get senior center insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your senior center, whether you work independently or hire employees.
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