--- title: Aging and Adult Services Insurance | Ethos Insurance Partners description: Stressed agents make mistakes. Working with Ethos provides you with the relief you need to best serve your aging and adult services insurance clients. image: https://www.ethosinsurance.com/hubfs/istockphoto-1047536650-1024x1024.jpg --- [Skip to main content](https://www.ethosinsurance.com/services/aging-services-insurance#maincontent) # Liability Insurance for Aging and Adult Services Professional liability insurance for aging and adult service providers, staff, and their facilities. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) It’s too risky ## Working with the wrong wholesaler can hurt your business. Aging and adult services can be tricky and complicated to place. You nor anyone else can afford even the slightest hiccup in getting your client insured properly. Anyone but a solely focused healthcare professional liability expert and specialist leaves you prone to... ![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Increased E&O exposure ![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Quotes with inferior coverage options ![orange-x](https://www.ethosinsurance.com/hubfs/assets/icons/orange-x.svg) ### Losing your clients to your competition [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![A dishonest healthcare professional liability wholesaler crossing his fingers as he knowingly does wrong to his client.](https://www.ethosinsurance.com/hs-fs/hubfs/Stakes%20simple%20image%20%5Bright%5D.png?width=643&height=617&name=Stakes%20simple%20image%20%5Bright%5D.png) Stop Paying Just for Access ## Wholesalers should reduce your burden. Your focus ought to be your insured, not the carrier and not your wholesaler. If your wholesaler is merely an access point to carriers, it's time for a new wholesaler. Market access alone isn't worth constant headaches.  [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![pillar white](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### Reduce Anxiety Rest easy knowing that you'll be the hero in your insured’s eyes after securing them the best policy possible. ![pillar white](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### Reduce Workload A good wholesaler reduces your busywork so that you can focus on the tasks that only you can do. ![pillar white](https://www.ethosinsurance.com/hs-fs/hubfs/pillar%20white.png?width=500&name=pillar%20white.png) ### More Time When your wholesaler does their job right they create more time for you to do yours. Placing Aging Services ## Matching your insured with the insurance they need Don't waste time with wholesalers who can't place your business properly. If you find a match here it's because you've found an aging and adult services expert who can help place your accounts. ### Skilled Nursing Facilities - Sub-acute care - Intermediate care - Rehabilitation - Hospice care ### Residential Care Facilities - Assisted living  - Independent living  - Elderly group homes ### Home Healthcare Agencies - Hospice care  - Skilled nursing care  - Non-skilled home care  - Durable medical equipment dealers [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) Lines of Coverage ## What coverage does your aging and adult services client need? Why waste time on an exploratory phone call? If you see a line listed here, you know you’ve found a wholesaler who can help you identify the exact coverage your aging and adult services client needs.  - Medical Malpractice - Professional Liability - General Liability - Excess & Umbrella Liability - Medical Billing E&O - Directors & Officers - Cyber Liability - Non-Owned Auto - Employee Benefits Liability - Employment Practices Liability [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) ![An aging and adult services nurse laughing with an elderly woman in a retirement home.](https://www.ethosinsurance.com/hs-fs/hubfs/Lines%20of%20Coverage.png?width=731&height=645&name=Lines%20of%20Coverage.png) Not All HPL Risks Are Created Equal # Download the Guide That Helps You Navigate the 5 Most Major Segments of Healthcare Liability **The 5 Worlds of Healthcare Professional Liability** In today’s healthcare market, professional liability doesn’t stop at hospitals and doctors’ offices. From senior living communities offering skilled care, to social services organizations hiring medical staff, new risks are emerging in unexpected places. ![5 Worlds - Aging Services](https://www.ethosinsurance.com/hs-fs/hubfs/5%20Worlds%20-%20Aging%20Services.png?width=1545&height=2000&name=5%20Worlds%20-%20Aging%20Services.png) **HPL Insights You Can Use Right Away** This guide gives retail agents a clear, organized look at five major sectors of the healthcare industry where coverage needs are changing and mistakes can be costly.   **What You'll Learn** - The five core segments where healthcare liability risks are most often misunderstood - Why traditional coverage approaches may fall short in these evolving environments - How to identify accounts that need more than just a boilerplate solution - What to look out for when placing HPL in blended care models, alternative settings, and edge-case operations ---   Fast. Easy. Right. ## A simple and effective plan makes all the difference Aiding your clients while growing your business is hard enough work as it is. Your wholesaler shouldn't add to your burden, which is why Ethos developed Fast-Easy-Right. ![Step 1](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-1-step.svg) ### Fast Within two business days of a completed submission, your personalized team of experts will send your first marketing summary. ![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-2-step.svg) ### Easy Receive regular communication including marketing summaries, carrier proposals, and consultative information. ![Step 3](https://www.ethosinsurance.com/hubfs/assets/icons/periwinkle-3-step.svg) ### Right You and your insured experience the smoothest and most accurate healthcare professional liability placement you’ve had to date. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us) [Our Process](https://www.ethosinsurance.com/our-process) Aging AND ADULT Services ## Frequently Asked Questions Here are a few of the most commonly asked questions that we get about insuring aging and adult services. ### I’ve noticed that you don’t list a particular carrier on your website. Why not? Ethos works with all the key carriers specialized in the healthcare liability marketplace. However, there are always other carriers that may have an appetite for healthcare accounts but struggle to compete with more specialized carriers. When new carriers enter the healthcare liability arena, we are careful to vet them out and add them if they are likely to provide a benefit for our customers. If there is a particular carrier missing from our list that you have questions about we would like to encourage you to contact us so that we can discuss if the carrier is missing in error, or otherwise discuss the circumstances for their omission. ### How do I get the correct application? While we're working on a self-service tool to help you select the best application for your particular opportunity, we invite you to contact us directly and an Ethos team member will happily help you find the correct application. ### What information is required for a submission? Every submission should include an application and no fewer than 5 years of loss/claims history (aka: loss runs). There are many specialized applications or supplemental applications that address the particular details of certain classes of business. Additional info may also be necessary to complete a submission: financials, copies of most recent state inspection reports and plans of action, and copies of contracts and licenses, to name a few. ## Get the right coverage for your aging and adult services clients Start with selecting the best medical malpractice and professional liability wholesaler in the aging and adult services market. By the end of the day your meeting time will be reserved, and within 15 minutes you’ll know whether Ethos is the right match for you. [Book Your Meeting](https://www.ethosinsurance.com/talk-to-us)