Adult Day Care Center Insurance Coverage Checklist
The coverages an adult day care center business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for adult day services centers. Priorities reflect typical exposure; confirm against participants and transport.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General & Professional Liability | Covers participant falls, wandering, and care errors. | Core | |
| Abuse & Molestation Liability | Covers abuse allegations — often excluded or limited in standard policies. | Core | |
| Commercial Auto | Covers center vans and buses that carry participants. | Core | |
| Hired & Non-Owned Auto | Covers staff driving participants or errands in their own cars. | Prevalent | |
| Commercial Property & Business Income | Covers the center and lost income after a closure. | Prevalent | |
| Workers' Compensation | Covers staff — including lifting and transfer injuries. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is abuse coverage that matches the program. Many general liability policies exclude or sharply limit abuse claims, and allegations involving participants with dementia are hard to defend. Centers should carry abuse and molestation coverage, background-check every staff member, and confirm the auto policy covers every vehicle and driver that carries participants.
Send us the checklist and we'll review your adult day care center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Adult Day Care Center Insurance · Adult Day Care Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an adult day care center business need?
The core coverages for an adult day care center business are General & Professional Liability, Abuse & Molestation Liability, Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my adult day care center coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.