Senior Living Facilities Insurance

Why choose Capital Gate Insurance for my senior living facility / skilled nursing facility insurance / independent adult living facility insurance?

Capital Gate knows the human services industry. Let us review and provide a quote for your business insurance If your organization provides a variety of services to persons with special needs including:

  • Physical or intellectual disabilities
  • Mental and/or behavioral issues
  • The disadvantaged
  • Or the Elderly (non-residential)

Families trust your facility for the care of their loved ones. Why not put your trust with Capital Gate Insurance? Our licensed insurance professionals work directly for you and always go the extra mile to go above and beyond to meet the needs of our insured! With the Baby Boomer generation moving towards retirement, Capital Gate knows senior living facilities may see rapid growth throughout the coming years and having the right insurance protection in place for your business is what matters the most here in New York State. To help keep you protected with the best coverage at the best rates, Capital Gate has access to the carriers with programs that are specific to your class of business. In most cases, by having a licensed agent at Capital Gate review and quote your policy, we can reduce your insurance premium cost 30%, 40%, and sometimes as low as 50% by submitting your policy requirements to our multiple carriers to bid on your insurance. After all submissions are returned to us, we will have review them and share our opinion prior to your final approval. We know that keeping more money in your pocket allows you to put it in the area’s that matter the most; your business and the care of our seniors!

Types of target accounts we target for programs:

  • Skilled Nursing Facilities
  • Senior Living Facilities
  • Assisted Living Facilities
  • Active adult communities, senior apartments and condominiums
  • Assisted living facilities
  • Continuing Care Retirement Communities
  • Both for-profit and not-for profit facilities from single locations to larger long-term care organizations with multiple locations and multiple states when domiciled in New York State.

Non-profit (501c3) and for-profit organizations that offer the following operations:

  • Advocacy Groups Insurance
  • Alcohol and Drug Rehabilitation Centers Insurance
  • Battered Women's Shelters Insurance
  • Community Action Agencies Insurance
  • Community/Senior Centers Insurance
  • Daycares for Children With or Without Special Needs Insurance
  • Early Intervention Programs Insurance
  • Emergency Shelters / Transitional Homes Insurance
  • Food Banks Insurance
  • Group Homes Insurance
  • Head Starts Programs Insurance
  • Homeless Shelters Insurance
  • Hospice Insurance
  • Intermediate Care Centers for Persons with Physical or Intellectual Disabilities Insurance
  • Jewish Community Centers Insurance
  • Meals on Wheels Outreach Programs Insurance
  • Mental Health Adult Residential Programs Insurance
  • Paratransit Exposures – Rural (in connection with larger account)
  • Residential Facilities and / or Homes for Brain-Injured Clients Insurance
  • Schools and / or Programs for People with Hearing Loss or Vision Impairment Insurance
  • Senior Adult Day Services Centers Insurance
  • Sheltered Workshops for the Physically or Intellectually Disabled Insurance
  • Support Apartments or Independent Living Facilities for People with Physical or Intellectual Disabilities
  • Thrift Stores Insurance
  • Vocational Rehabilitation Insurance
  • YMCA’s and YWCA’s Insurance

Contact a Capital Gate Insurance Licensed Agent TODAY and let us do the work for you! We will evaluate your policy and present to you the best options in coverage and in cost for you to make a comprehensive decision on your business  insurance.


  • Product-Completed Operations Included
  • Personal and Advertising Injury
  • Medical Payments
  • Property Damage To Others
  • Coverage on a Claims-Made Basis
  • Defense Outside the Limits
  • Separate GL/PL Coverage Towers
  • Coverage on a Claims-Made Basis


  • Building
  • Business Personal Property
  • Business Income
  • Following coverage available subject to sublimit:
    • Physical/Sexual Abuse
    • Hired/Non-Owned Auto
    • Employee Benefits Liability

For the best rates with the best coverage, Capital Gate Insurance with work for you to find the specialty insurance program that will CRUSH the rest!  Click or call today for your insurance so you can get back to running your facility without the worry of shopping for insurance!

One phone call can do it all! Click or call Capital Gate Insurance today. Call or click TODAY (518) 389-2610 / or Toll FREE (800) 204-3344

When it comes to competitive insurance solutions, find out why the competition just doesn’t stack up!

Call our Licensed Insurance Professionals to Quote Your Account for your NYS senior living, skilled nursing, adult assisted living facility coverage TODAY!


We know where to look to get the best insurance coverage for you - at the best price... Remember, we only earn our money by saving you yours, it's that simple!