A safe day for people who need help.
Professional and general liability, abuse and molestation, falls and wandering, transportation auto, workers' comp and property for adult day programs and respite care.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Falls, wandering and the van ride
Adult day programs care for seniors and adults with disabilities or dementia for part of the day. The main claims are falls, a participant who wanders off, missed medications, choking at meals, and allegations of abuse. Many programs also drive participants to and from home, which brings in auto risk.
In California, social adult day programs are licensed by the Department of Social Services, and adult day health centers serving Medi-Cal participants operate as Community-Based Adult Services. Fewer insurers write this class, so a clear file with your staffing, training and transport details goes a long way.
- Professional liabilityCare errors, missed meds and supervision.
- Abuse and molestationClaims involving participants.
- Commercial autoVans for pickup and drop-off.
- Workers' compLifting and transfer injuries to staff.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Program: social adult day, adult day health or respite.
- License: state license and capacity.
- Participants: daily census and dementia care.
- Staff: nurses, aides, training and ratios.
- Transport: vans, lifts and drivers.
- History: current policies, incidents and claims.
Adult day care insurance, answered
Is a fall covered by general liability or professional?
It depends on what caused it. A wet floor leans general liability; a fall during an assisted transfer is a care question. I set both up so the claim lands somewhere.
Do I need abuse and molestation coverage for adults?
Yes. Vulnerable adults bring the same allegation risk as children, and many policies exclude it unless it's added.
Are participants covered while riding in our van?
Passengers are covered under commercial auto, subject to the policy. Wheelchair lifts and securement should be disclosed.
Why are there so few insurers for this?
It's a specialized care class with abuse, medical and auto exposure together. Some programs are placed with surplus lines insurers.
Do you offer adult day care insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Cover the care and the ride home
Send me your license type, daily census, staffing and vans. I'll take it to insurers that write adult day programs.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
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(877) 711-4545Answered 24/7 · CA License #4348151
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