Insurance for Residential Care Facilities in California | EIS California
Protecting What Matters Most in California’s Residential Care Community
Caring for adults with developmental disabilities takes compassion, dedication, and expertise—and managing the business behind that care requires the same level of professionalism. At Eastman Insurance Solutions (EIS California), we specialize in providing comprehensive insurance programs for Residential Care Facilities for Adults with Developmental Disabilities (ADP/IDD) across California.
Our Health & Human Services Division focuses on larger provider networks—those managing multiple homes, staff, and administrative operations. We understand the unique risks that come with operating several residential facilities and supporting both care providers and property owners who make this essential service possible.
Whether you own, operate, or lease residential care homes, EIS California provides protection for your people, property, residents, and mission.
Who We Serve
EIS California partners with:
- Residential care organizations supporting adults with developmental disabilities
- Property owners and lessors providing homes to licensed care providers
- Multi-home operators managing 3 to 50+ residential care sites across California
- Community care providers serving individuals in supported living or semi-independent environments
We work directly with both sides of the care ecosystem — the providers delivering daily care and the companies or investors providing licensed homes — ensuring everyone’s assets and exposures are protected under one coordinated program.
Complete Coverage Solutions for Residential Care Facilities
Our programs protect every aspect of your operation—from property and staff to residents and transportation.
Core Coverage Lines
- General Liability Insurance: Protects against resident injuries, third-party claims, and allegations of negligence.
- Professional Liability / E&O: Covers errors, omissions, and professional service claims involving care delivery or resident supervision.
- Property Insurance: Protects homes, furnishings, and medical or adaptive equipment from fire, theft, or natural disasters.
- Commercial Auto: Covers vehicles used for staff transport, resident outings, and supply delivery.
- Workers Compensation: Protects caregivers and support staff from job-related injuries or illness.
- Employment Practices Liability (EPLI): Covers wrongful termination, discrimination, or harassment claims.
- Abuse & Molestation Coverage: Specialized coverage addressing allegations of abuse or neglect—critical for licensed care providers.
- Cyber Liability: Protects sensitive resident and health information from data breaches or ransomware attacks.
- Umbrella / Excess Liability: Provides high-limit protection above your core policies for catastrophic claims.
We also offer Directors & Officers (D&O) coverage for nonprofit and corporate boards, ensuring leadership is protected from administrative and governance-related liability.
Programs for Property Owners and Lessors
EIS California offers tailored coverage for property owners and investors who lease or operate homes used for adult residential care.
Our programs include:
- Lessor’s Risk and Premises Liability
- Property and Equipment Breakdown Coverage
- Loss of Rents and Business Income
- Named Insured Structure Options (to include both property owner and operator)
- Contractual Risk Transfer Reviews
This dual-coverage approach ensures both care operators and property stakeholders are financially protected in the event of property damage, injury, or operational interruption.
Why Larger Providers Choose EIS California
EIS California brings industry expertise, carrier access, and risk management depth rarely available from generalist agencies. We serve multi-location operators that require centralized risk coordination and scalable insurance solutions.
Our key advantages include:
- Dedicated Health & Human Services Division focused on the care sector
- Access to top-rated carriers experienced in social services and healthcare risk
- Customized insurance portfolios for operators with multiple homes and varying care levels
- Streamlined certificate management for licensing, funding, and compliance requirements
- Flexible billing and multi-policy coordination for multi-entity organizations
For organizations with larger annual premiums (typically $150,000+), EIS California also provides access to Group Captive Insurance programs—rewarding safety and stability with long-term cost control and potential profit sharing.
Group Captive Opportunities for Qualified Providers
Once premium thresholds are met, larger residential care operators can participate in our exclusive Group Captive programs.
This advanced option allows qualified organizations to:
- Take ownership of part of their insurance program
- Earn dividends from positive loss performance
- Achieve long-term rate stability
- Access transparent claims and risk data
Captive participation is available for General Liability, Workers Compensation, and Commercial Auto once qualification criteria are met.
This approach gives California’s leading care providers the financial control, flexibility, and transparency they deserve—while maintaining robust protection for residents, staff, and property.
Premium Expectations for Multi-Home Care Operators
Premiums vary based on the number of homes, staffing levels, and service type (e.g., ambulatory vs. non-ambulatory, level 2–4 homes).
Typical annual premiums range from $50,000 to $500,000+, depending on property count, payroll, and claims history.
EIS California’s team works with you to build efficient, scalable programs that reduce administrative burden while ensuring compliance with California Department of Social Services (CDSS) licensing and insurance requirements.
Frequently Asked Questions
1. Is insurance required for licensed care homes in California?
Yes. The California Department of Social Services (CDSS) requires licensed adult residential facilities to maintain liability coverage and worker protection insurance.
2. Can EIS insure both the care operator and the property owner?
Absolutely. We specialize in dual-party structures that protect both the operating entity and the property-holding company.
3. What makes EIS different from other agencies?
We focus exclusively on specialized risk management for the Health & Human Services sector—delivering scalable solutions for multi-home providers.
4. Do you provide Abuse & Molestation coverage?
Yes. It’s a critical component of our program and can be written as part of the package or on a standalone basis.
5. Can large care networks access Group Captive programs?
Yes. Once premium thresholds are met, eligible providers can participate in Captive programs for GL, WC, and Auto—turning insurance costs into long-term financial assets.
Protecting Your Mission with EIS California
You’ve dedicated your life to providing compassionate, dignified care to adults with developmental disabilities. Let EIS California help you protect that mission.
Our experienced team understands the complex risks of residential care—and delivers insurance and risk management solutions built to keep your organization strong, compliant, and sustainable.
📞 Call EIS California today or visit EISCalifornia.com to schedule a confidential coverage review.