Specialty Underwriting for Residential Care Risks
Adult residential care facilities operate in a highly regulated environment with complex liability exposures. Proper risk placement requires specialized underwriting expertise and a clear understanding of operational, licensing, and professional liability considerations.
Tangram’s program is built exclusively for residential care risks. We partner with appointed retail brokers to deliver disciplined underwriting, defined appetite, and stable capacity for this specialized segment.
Businesses Served
- Assisted living homes
- Adult foster homes
- Adult family homes
- Adult residential facilities (ARF)
- Adult care homes
- Personal care homes
- Residential care facilities for the elderly (RCFE)
Coverage Available
- General liability insurance
- Professional liability insurance
- Cyber liability insurance
- Commercial property insurance
Program Not Available For
- Alcohol/substance abuse treatment facilities
- Boarding homes
- Halfway houses
- Home health care
- Medical organizations
- Skilled nursing facilities
Advantages
- Specialty focus on residential care only
- Defined underwriting appetite
- Dedicated capacity
- Experienced underwriting team
- Long-term program stability
How We Help Brokers Succeed
Residential care facilities require specialized underwriting expertise. Licensing regulations, staffing structures, and liability exposures differ significantly from standard habitational or healthcare risks.
Tangram’s Personal Care & Assisted Living Program is built specifically for these exposures.
Our broker partners value:
- Clear underwriting appetite and guidelines
- Consistent, disciplined risk selection
- Responsive underwriting team
- Dedicated program focus
- Long-term market commitment
Next Steps
Contact our team to learn about appointment and program options
Learn more about our risk management services
