Assisted Living
Workers Compensation Insurance
We have created insurance plans that are reasonably priced for assisted living facilities.
Workers Comp Coverage for Assisted Living
For more than 15 years, we have assisted Assisted Living providers in locating reasonably priced insurance. Our Experts are aware of the particular underwriting specifications set forth by insurance companies. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with top insurance companies providing coverage for assisted living.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Carriers for Assisted Living Coverage
Markel FirstComp
Accident Fund
Cimarron Insurance
Benchmark Insurance
Normandy Insurance
ICW Group
UBIC Insurance
PIE Insurance
Synergy Coverage Solutions
Workers Compensation Class Codes Related to Assisted Living
Workers are classified according to the tasks they perform for their employers. Currently, insurance companies can classify employees using almost 800 class codes provided by the National Council on Compensation Insurance (NCCI). Insurance firms price assisted living insurance policies by hand, calculating a manual premium for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Employers who were incorrectly classified may wind up with excessive coverage costs or debt following an audit.
Class Code 8829 | Convalescent Home- Skilled Nursing Facilities
Class Code 8826 | Assisted Living- No Nurse Care
Companies that specialize in offering professional or unskilled nursing services in a facility. Businesses that specialize in inpatient nursing and rehabilitation services are frequently included in the services category. People in need of nursing care are typically given the care for a longer amount of time. These facilities employ a core group of qualified or licensed practical nurses who work there permanently and provide nursing and ongoing personal care services to other employees. Class code 8826 may be used by assisted-living institutions, including senior homes without nursing care, that do not have on-site nursing care services. Typically, the care includes lodging, food, supervision, and help with everyday tasks like housekeeping.
Alternative State Class Codes for Assisted Living:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| 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 |
Retirement communities, assisted living facilities, group homes for the disabled, convalescent homes, hospice inpatient care, skilled nursing facilities, congregate living, old-age homes, homes for the aged, senior citizen homes, nursing homes, and retirement homes
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Assisted Living Insurance Coverage
Many elder care companies are covered by their state’s workers’ compensation insurance program. Certain agencies are overpaying and employing installment programs that are predicated on salary estimates. We assist our clients in locating the finest insurance prices for every distinct state and establishment. Your company’s cash flow will be enhanced by our Pay As You Go payment options. As well as other homes with greater Experience Modification Ratings, we work with newly constructed convalescent homes. Since 2005, we have been writing about nursing homes.
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
How Does Workers Comp Work?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness 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.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using 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
Under the xx class code, our clients typically pay about $2.00 for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $1,900.00.
- Assisted Living Liability Insurance- Claims-Made Basis, $0 Deductible
- Workers Compensation and Employers Liability
- Personal Property and Commercial Property
- Umbrella Liability and more
Not every class code or every line of insurance coverage will be offered in every state. For more on our general liability and workers compensation insurance programs, get in touch with one of our Home Health Care Workers Compensation Specialists.
How Much Does Assisted Living Insurance Cost?
Under the xx class code, our clients typically pay about $2.00 for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $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
How To Get Workers Comp
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
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies