Assisted Living
Workers' Compensation Insurance

We've developed affordable insurance programs for Assisted Living Facilities.

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Give us a call today at 888-611-7467

Workers' Comp Coverage for Assisted Living

We've been helping Assisted Living providers find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing Assisted Living coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Carriers for Assisted Living Coverage

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Assisted Living.

Accident Fund

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for Assisted Living service providers.

Cimarron Insurance

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. Assisted Living insurance in an industry target.

Benchmark Insurance

Normandy is a fast growing insurance company with a very broad underwriting appetite.

Normandy Insurance

Normandy has some of the lowest filed rates for many related class codes. They are open in numerous states.

Normandy Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for select Assisted Living. They have outstanding rates for target risks.

ICW Group

UBIC specializes in tough work comp class codes including Assisted Living.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for assisted living and residential care services.

UBIC Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the assisted living industry.

AmTrust Insurance

We help business owners find the very best workers' comp insurance for assisted living.

The right quote makes a big difference in price.
Shop coverage like a Pro.

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Workers' Compensation Class Codes Related to Assisted Living

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price assisted living insurance polices.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 8829 | Convalescent Home- Skilled Nursing Facilities

Class Code 8826 | Assisted Living- No Nurse Care

Businesses primarily engaged in providing unskilled or skilled nursing services in a facility. Services often include establishments primarily engaged in providing inpatient nursing and rehabilitative services. The care is generally provided for an extended period of time to individuals requiring nursing care. These establishments have a permanent core staff of registered or licensed practical nurses who, along with other staff, provide nursing and continuous personal care services. Assisted-living facilities without on-site nursing care facilities may utilize class code 8826, including homes for the aged without nursing care. The care typically includes room, board, supervision, and assistance in daily living, such as housekeeping services.

Alternative State Class Codes for Assisted Living:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
960 Delaware / Pennsylvania | Skilled Facility
970 Delaware / Pennsylvania | Nursing Home
8866 New York | Retirement Home
9052 Texas | Convalescent-Nursing Home
9070 California | Retirement Home Without Nursing

Synonyms: retirement homes, old-aged homes, home for the aged, senior citizen homes, nursing home, retirement community, assisted living facility, group homes for disabled, convalescent home, hospice inpatient care, skilled nursing facility, congregate living.

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Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Assisted Living Insurance Coverage

A lot of senior care businesses are insured by their state workers' compensation fund. Others agencies are paying more than necessary and they're using installment plans based on estimated payroll. We help our customers find the best insurance rates for each unique state and facility. Our Pay As You Go payment plans will improve your business cash flow. We work with new convalescent homes and other homes with higher Experience Modification Ratings. We've been writing nursing homes since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Nursing Home Expertise
More Markets for More Solutions  We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Assisted Living Insurance Programs

The cost of skilled and unskilled nursing care insurance has been increasing. General liability and professional liability insurance has been the major cause of the increase in the cost. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our workers' comp customers. Ask about our package insurance options for assisted living and convalescent care services:

  Assisted Living Liability Insurance- Claims-Made Basis, $0 Deductible

  Workers' Compensation and Employers Liability

  Personal Property and Commercial Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Home Health Care Workers' Comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

How Much Does Assisted Living Insurance Cost?

The average rate our customers pay for workers' compensation under the xx class code is around $2.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type facility can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of skills matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary- 8051, 8052, 8059, 8361

Assisted Living Liability Costs

  • Errors and Omissions rates depend on services provided
  • Gross revenue may affect pricing
  • Skilled versus unskilled workers matter to underwriters
  • Prior clams and years in business affect pricing
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How do I get started?

Here's what we need from you
  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price
  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

Ready to Start Your Quote?

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers Comp for Assisted Living.
A lot don't have access to insurance companies that write workers' compensation coverage for Assisted Living and Retirement Centers. But we offer exclusive work comp programs with lower rates on coverage so you get the best price on your policy.
Get quotes for your Assisted Living organization today and see if you qualify for better prices on your workers' comp insurance. Or give our Specialists a call today at 888-611-7467.
National Agency Number: 8847381
National Producer Number: 5064979
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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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