RCFE Insurance for Facility Owners & Operators

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Buckler Insurance Agency is an independent agency. Our founder has worked in the commercial insurance industry since 1989 and has a passion for working with senior living and assisted living facilities.

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Whether you run a six-bed board-and-care home or a larger assisted living community, we'll help you put the right coverage in place for licensing, landlords, lenders, and renewals.

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Owners & administrators: call 800.995.5396 or email info@BucklerAgency.com

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Coverage Built for Licensed RCFEs

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A standard business policy, or a homeowners policy on a converted residence, usually isn't built for a licensed care operation. We'll help you review and quote the coverages RCFEs commonly need:

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• General Liability: slip-and-fall and other third-party injury or property damage claims at your facility.

• Professional Liability: claims arising from care decisions, such as medication assistance, supervision, and resident care.

• Abuse & Molestation: often excluded or limited on standard liability policies. We'll check that it's included where you need it.

• Commercial Property: building, contents, equipment, and business income for your licensed facility.

• Workers' Compensation: coverage for caregivers and staff, as required by state law for employers.

• Employment Practices Liability (EPLI): protection against claims such as wrongful termination, harassment, and discrimination.

• Commercial Auto / Resident Transport: owned vehicles, plus hired and non-owned auto for staff running errands or driving residents.

• Umbrella / Excess Liability: additional limits above your primary liability policies.

• Cyber Liability: help responding to data breaches involving resident or employee records.

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Coverage availability, limits, and terms depend on underwriting and each facility's details.

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Licensing & Insurance Requirements

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RCFEs are licensed and regulated at the state level, and many states set minimum liability insurance requirements for licensees. We verify your facility's licensing and compliance details with the appropriate state licensing agency to make sure your coverage meets requirements. We can help you:

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• Line up coverage before licensing so you can show proof of insurance

• Provide certificates of insurance for your state licensing agency, landlords, and lenders

• Review your limits at renewal to confirm they still meet your obligations

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Always confirm current requirements with your state licensing agency.

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Who We Work With

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• Owners and licensees, from single six-bed homes to multi-location operators

• Administrators and executive directors managing renewals and compliance

• New operators preparing for licensing

• Operators buying or transferring a facility who need coverage in place at closing

• Facilities shopping their renewal or dealing with a non-renewal

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Why RCFE Operators Work with Buckler

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• Commercial insurance experience since 1989: an independent insurance agency

• Senior living focus: we understand how RCFEs operate and what underwriters ask

• Independent: we work for you, not a single insurance company, and shop your coverage on your behalf

• One point of contact for your liability, property, workers' comp, and more

• Help with paperwork: certificates, renewals, and coverage questions

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How to Get Your RCFE Quote

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1. Complete the RCFE questionnaire. It takes a few minutes.

2. Have these handy if you can: facility name and license number, number of licensed beds, memory care (yes/no), current policy declarations, and 3–5 years of loss runs.

3. We review and follow up with options and any questions from underwriters.

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RCFE Insurance FAQs

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What insurance does an RCFE need?

Most RCFEs carry general and professional liability, abuse & molestation coverage, commercial property, and workers' comp if they have employees. Many also add EPLI, auto, umbrella, and cyber. We'll help you decide what fits your facility.

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Will my homeowners policy cover a board-and-care home?

Usually not. Homeowners policies typically exclude business operations like a licensed care facility. You'll generally need commercial property and liability coverage written for an RCFE.

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Can I get a quote before my license is approved?

Yes. We can start the quote process during licensing so you're ready to provide proof of insurance.

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What information do you need for a quote?

Facility name and location, license number if available, bed count, memory care status, current coverage, and loss history. The online questionnaire walks you through it.

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What liability limits are required for RCFEs?

Requirements vary by state. We verify the required limits with the appropriate state licensing agency and help you put limits in place that meet state requirements and your landlord or lender's.

 

Does memory care affect my premium?

It can. Underwriters look at acuity, including memory care, when pricing liability coverage. Share your resident mix on the questionnaire so we can quote accurately.

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Ready for a Quote?

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Protect your residents, your staff, and your license. Call 800.995.5396 or email info@BucklerAgency.com.