RCFE-specialist coverage at exclusive group rates, available only through your BedHub Operator account. General liability, professional liability, and property — one application, one underwriter, one renewal date.
BedHub Insurance bundles the three policies every residential care home needs. Apply once, get quotes for all three, manage everything from one renewal date.
Standard general liability coverage tuned for the foot traffic and visitor patterns of small-format residential care. Covers third-party bodily injury and property damage.
The hardest coverage to get for small care homes — and the most important. Defends against allegations of negligence, abuse, and substandard care delivery.
Building structure, fixtures, equipment, and loss-of-income coverage if a covered event forces temporary closure. Includes earthquake riders for California operators.
State-compliant workers' compensation coverage. Available as an add-on through the same application.
HIPAA breach response, ransomware coverage, and privacy claim defense. Increasingly required by state regulators and family contracts.
Optional umbrella coverage that sits above your underlying policies. Recommended for operators with multiple locations or higher bed counts.
Insurance for small care homes is usually written one policy at a time, by generalist brokers, at retail rates. BedHub Insurance is the opposite of that.
Every BedHub Operator counts toward our group buying pool. The bigger the network grows, the better the rates get for everyone in it.
Because every BedHub member is an RCFE operator, our underwriter can price risk accurately instead of treating you like a generic small business.
Direct relationship with the underwriter. Lower distribution cost. That difference goes back to you as lower premiums — not commission to a broker who'll never visit your home.