🛡️ RISK & PROTECTION

Care home insurance,
built for operators
like you.

In partnership with InsureMyRCFE — the only RCFE-specialist insurance platform built exclusively for California residential care facility operators. Quotes in minutes, claims handled fast.

👤 Current Customers
● Active

3,200+ RCFE operators trust InsureMyRCFE for complete care home coverage.

🛡️ Workers' Compensation

Up to $1M per occurrence  ·  Employee injury, illness, rehabilitation

🏢 Commercial Property

Building & contents coverage  ·  Equipment, medical devices, furniture

3,200+
Operators insured
$5M+
Coverage available
9,870
Claims processed
48hr
Average response time

Get your RCFE insurance quote.

Select your coverage type below and complete the form. Our RCFE specialists will contact you within 24 hours.

🦺

Workers Compensation

Covers medical costs and lost wages for employee injuries on the job.

🏠

Commercial Property

Protects your facility structure, contents, and equipment from damage or loss.

⚖️

Operator Liability

Covers claims of negligence, injury, or harm brought against you as an operator.

Step 1 — Business Details Required
Step 2 — Facility Address Required
Step 3 — Home Information Required
Home #1
Home #2

Three policies. One platform.
Complete RCFE protection.

All three coverage types are available through a single InsureMyRCFE application, managed directly inside your BedHub portal.

🦺 Workers Compensation

Mandatory in California for any facility with employees

  • Medical treatment costs for work-related injuries
  • Lost wages during recovery periods
  • Permanent disability benefits
  • Return-to-work programs and vocational rehab
  • Death benefits for qualifying dependents
  • RCFE-specific injury profiles covered
  • 24/7 claims hotline with specialist support

🏠 Commercial Property

Protects your facility, fixtures, and equipment

  • Building structure and attached improvements
  • Medical and care equipment replacement
  • Furniture, fixtures, and facility contents
  • Business interruption and lost income coverage
  • Water damage, fire, and natural disaster events
  • Theft and vandalism protection
  • Optional earthquake rider available

⚖️ Operator Liability

Personal and professional protection for operators

  • General liability for third-party bodily injury claims
  • Professional liability / errors and omissions
  • Abuse and molestation coverage (critical for RCFEs)
  • Directors and officers protection
  • Legal defense costs included in policy limits
  • Coverage for licensing board investigations
  • Excess liability / umbrella options available
InsureMyRCFE Official BedHub Partner

Not just a policy. A partner.

InsureMyRCFE was built by former RCFE operators who understand the unique risks of running a residential care facility in California. Every underwriter on their team is RCFE-certified.

🎯

RCFE Specialists Only

Every agent and underwriter is trained exclusively on RCFE operations, regulations, and risk profiles.

Quote in Minutes

Our streamlined quoting system provides indicative coverage estimates in under 10 minutes for most operators.

🔗

Manage in One Place

View policy documents, track claims, and access your specialist — all from within your BedHub portal.

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Renewal Reminders

Automated 90, 60, and 30-day renewal alerts keep you ahead of lapses that could jeopardize your license.