Workers' Comp Coverage for Assisted Living

We’ve been helping Assisted Living providers find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Assisted Living

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price assisted living insurance polices. Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 8829
Convalescent Home- Skilled Nursing Facilities

Class Code 8826
Assisted Living- No Nurse Care

Businesses primarily engaged in providing unskilled or skilled nursing services in a facility. Services often include establishments primarily engaged in providing inpatient nursing and rehabilitative services. The care is generally provided for an extended period of time to individuals requiring nursing care. These establishments have a permanent core staff of registered or licensed practical nurses who, along with other staff, provide nursing and continuous personal care services. Assisted-living facilities without on-site nursing care facilities may utilize class code 8826, including homes for the aged without nursing care. The care typically includes room, board, supervision, and assistance in daily living, such as housekeeping services.

Alternative State Class Codes for Home Health Care:

Some states utilize special class codes for classifying and pricing home health care insurance rates. Below is a list of all class code associated with home care services.

Synonyms: retirement homes, old-aged homes, home for the aged, senior citizen homes, nursing home, retirement community, assisted living facility, group homes for disabled, convalescent home, hospice inpatient care, skilled nursing facility, congregate living.


licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Assisted Living Insurance Cost?

The average rate our customers pay for workers’ compensation under the xx class code is around $2.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type facility can modify rates
  • Premium discounts and policy credits may apply
  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of skills matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary- 8051, 8052, 8059, 8361
  • Errors and Omissions rates are based on customer and employees count
  • Gross revenue may affect pricing
  • Procedures and processes matter to underwriters
  • Prior clams and years in business affect pricing

How do I get started?

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What Happens Next?

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We've developed affordable insurance programs for Assisted Living.