Coverage for Utah group homes and care providers
Running a care home means looking after people around the clock. The right insurance protects your residents, your staff, your vehicles, and everything you've built — so one incident doesn't put the whole operation at risk.
Here's what most care organizations need, in plain English. You may not need all of it — part of our job is telling you honestly which pieces fit your operation and which you can skip.
General liability
Covers the everyday accidents — a visitor slips in one of your homes, someone's property gets damaged, a basic injury claim comes in. It's the foundation every operation carries.
Professional liability + abuse & molestation Most important
Professional liability responds to claims that the care your organization provided caused harm. Abuse & molestation coverage responds to allegations of abuse — the single exposure that can end a care organization if it isn't covered properly.
The headline limit isn't the whole story here. We pay attention to whether abuse is a full limit or a smaller sublimit, and whether the cost of defending a claim comes out of your limit or sits outside it. Those details decide how much protection you really have, and we walk you through them.
Property
Covers your building or buildings, your contents and equipment, and the income you'd lose while you recover — after a fire, storm, theft, or other damage. Whether you own or lease your homes, we help you set appropriate values and review any landlord requirements.
Commercial auto
If your staff drive residents anywhere — appointments, school, work, day programs, activities — you need commercial auto coverage, not a personal car policy.
Utah has specific rules for businesses that transport people, including higher minimums and a special uninsured-motorist requirement. We'll walk you through the liability limits, personal-injury protection, and uninsured/underinsured coverage Utah requires. And if employees ever use their own cars for work, we add hired & non-owned auto so those trips are covered too.
Umbrella / excess liability
Extra liability limits stacked on top of the coverages above, for the serious claims that blow past your base limits. Most care operations should carry one — it's usually the most protection per dollar you can buy.
Directors & officers (D&O) and employment practices (EPLI)
D&O protects the organization and its leaders against claims tied to management decisions. EPLI covers employee claims like wrongful termination, discrimination, or harassment. If you have a board or employees, these are worth a look.
Cyber
If you keep client records, medical information, or take payments electronically, cyber coverage responds to a data breach or ransomware — the costs, the notifications, and the recovery.
Workers' compensation
Covers medical bills and lost wages if a staff member is hurt on the job. In Utah, it's required once you have employees.