Healthcare, Senior Care & Human Services

Healthcare, Senior Care & Human Services Insurance

Protecting providers who care for people.

Republic Insurance Group delivers specialized insurance and risk management solutions for healthcare providers, senior care operators, and human service organizations—designed for environments where responsibility is high, regulation is complex, and trust is everything.

Coverage structured for patient and client care
Experience with regulated and licensed operations
Claims advocacy for sensitive, high-stakes incidents

Care providers across community-based systems

We work with independent, nonprofit, and privately operated organizations, including:

Rural health clinics and medical offices
Community health centers
Home health and hospice providers
Assisted living and senior housing
Memory care and specialized senior services
Behavioral and mental health providers
Substance abuse and recovery programs
Disability services and support organizations
Social service and human service nonprofits
Faith-based and community care ministries

When your work involves vulnerable populations, insurance must be built around duty of care, supervision, and compliance—not generic coverage.

Coverage designed for care delivery environments

Professional Liability / Medical Malpractice

Allegations of professional negligence
Coverage aligned to scope of services
Defense costs and settlement protection
Claims-made structure and retroactive date review

General Liability

Premises and operational liability
Visitor, patient, and third-party exposure
Non-professional bodily injury claims

Abuse & Molestation Liability

Critical for senior care, youth services, and vulnerable populations
Coverage for allegations involving staff or volunteers
Defense and crisis management considerations

Property & Facility Coverage

Clinics, care facilities, and offices
Medical equipment and contents
Business interruption and extra expense
Tenant improvements and renovations

Workers’ Compensation

Clinical and non-clinical staff
Proper classification for care roles
Employer liability protection

Cyber Liability & Data Privacy

HIPAA-related data exposure
Ransomware and system interruption
Regulatory notification and response

Directors & Officers / Management Liability

Board, leadership, and governance exposure
Employment practices liability (EPLI)
Nonprofit and private organization structures

Umbrella & Excess Liability

Additional limits over professional and general liability
Often required by regulators or funding sources

Where exposure truly exists

Healthcare and human service organizations face layered professional, operational, and reputational risk, including:

Professional liability and malpractice allegations
Patient or client injury and neglect claims
Abuse, molestation, or misconduct allegations
Medication, treatment, or documentation errors
Property and facility-related incidents
Employment-related disputes
Regulatory investigations and compliance failures
Data privacy and HIPAA-related exposure

We focus on reducing severity, protecting licensure, and preserving organizational reputation.

Tailored protection for specific care models

Healthcare Providers & Clinics

Professional liability matched to services provided
Credentialing and licensure considerations

Senior Care & Assisted Living

Resident injury and supervision exposure
Abuse & neglect risk management
Property and life-safety considerations

Behavioral & Mental Health Services

Professional liability with appropriate scope
Confidentiality and documentation exposure

Home Health & Community Care

Off-premises liability
Auto and travel exposure
Client interaction risk

Human Services & Nonprofits

Volunteer involvement
Governance and funding-related risk
Mission-driven operations with public interaction

What helps us move efficiently

To prepare a quote or coverage review, we typically request:

Description of services provided
Licensing and accreditation details
Facility locations and square footage
Staff counts and roles
Client or patient volume
Prior loss history (5 years if available)
Current policies and renewal dates

Frequently Asked Questions

1) Is general liability enough for healthcare providers?
No. Professional liability is typically required.

2) Do nonprofits need the same coverage as for-profit providers?
Often yes—especially for professional and abuse exposure.

3) Is abuse & molestation coverage really necessary?
For many care organizations, it is critical.

4) What if we provide services in clients’ homes?
Off-premises liability and auto exposure must be addressed.

5) How important is cyber insurance in healthcare?
Extremely. Healthcare data is highly regulated and frequently targeted.

6) How often should coverage be reviewed?
Annually, or whenever services or populations change.

Insurance built for those who serve others.

From rural healthcare clinics to senior care providers and human service organizations, Republic Insurance Group delivers insurance solutions designed for care, compliance, and continuity.