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Senior Placement Agent Insurance: Professional Liability Coverage Built for Referral Experts

Protect your senior placement agency with tailored liability insurance that understands your risks—because peace of mind matters when families depend on you.

Discover why over 550 placement agents choose HUB International for their Senior Placement Agent insurance. Best in class coverage and pricing. Call us now for a quote 480-941-4895.

Senior Placement Agents

Coverage Available:

 

  • General Liability

  • Professional Liability

  • Hired/Non-Owned Auto

  • Cyber Liability

  • Workers Compensation

  • And more...

Program Pricing and Details:

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Our senior placement insurance programs start as low as $1,400 per year. 

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This proprietary program was created in 2012 and our advisors have over a decade of expertise protecting placement agents. 

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We are the preferred provider for the National Placement & Referral Alliance, as well as every major franchise in this space. 

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You don't need to sacrifice coverage or service to get the best pricing. Contact us today for a quote.

What Is Senior Placement Agent Insurance?

Senior placement agent insurance is specialized professional liability coverage designed for individuals or agencies that help families find appropriate senior living arrangements. It protects you if you're sued for negligence, errors, or omissions during the referral process.

Whether you're matching clients with assisted living, memory care, or independent living facilities, this insurance helps cover legal defense costs, settlements, and judgments if a client claims your recommendation caused harm.

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Why Senior Placement Agents Need Liability Coverage

Most agents assume general liability is enough—it’s not. If you recommend a facility and a resident is harmed, you could be held liable for:

  • Failure to perform due diligence

  • Inaccurate assessments or documentation

  • Breach of professional duty

  • Emotional or financial damages

🛡 Professional Liability Insurance (also known as Errors & Omissions) is your first line of defense. Without it, even a baseless claim could cost you tens of thousands in legal fees.

 
Who Needs This Coverage?

You’re a candidate for senior placement agent insurance if you:

  • Run a senior housing placement agency

  • Operate under a franchise model like CarePatrol or Assisted Living Locators

  • Provide referrals or consulting on senior care options

  • Own a business assisting families with elder care navigation

  • Contract with hospitals, case managers, or social workers

If you refer seniors to residential care or assisted living in any U.S. state, this insurance is essential.

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Real-World Claims Examples

Claim Example 1: A senior placement agent refers a dementia patient to a facility that lacked proper memory care safeguards. The family sues for emotional distress and negligence.
→ $75,000 paid in legal fees and settlement.

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Claim Example 2: A family alleges that the agent misrepresented the facility’s staff-to-resident ratio, resulting in injuries to their loved one.
→ $112,000 in legal defense and indemnity.

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Claim Example 3: A placement agent recommended a facility without verifying the facility carried Professional Liability coverage. Family member passes and sues facility owner. Since facility owner did not carry coverage, the placement agent was sued:

→ $300,000 in legal defense and indemnity.

What Does It Cover?

Here’s what’s typically included in a well-structured senior placement agent insurance policy:

  • What types of insurance does a med spa need?
    Most med spas need a combination of: • General liability (slip-and-fall, basic protection) • Professional liability / malpractice (injectables, lasers, PRP, etc.) • Property insurance (equipment, fixtures) • Cyber liability (client records, booking platforms) • Workers’ compensation (if you have employees) We can help you bundle these into one customized package.
  • How much does med spa insurance cost?
    It depends on your services, staff, and location: Solo injectors: $800–$1,500/year Small med spas: $2,000–$3,500/year Full-service practices: $4,000+ We’ll help you compare carriers and lock in the best rate for your setup.
  • Can I get a policy fast?
    Yes! Most clients receive a custom quote within 24 hours. If needed, we can issue your Certificate of Insurance (COI) the same day — ideal for landlords, vendors, or licensing boards.
  • Do I really need insurance if I’m a solo injector?
    Yes. Even if you’re renting a room or working under someone else’s roof, you’re still personally liable for the treatments you provide. A client injury, adverse reaction, or social media claim can become a major financial and legal issue without coverage.
  • What if I have 1099 contractors — are they covered?
    Not by default. Most 1099 providers must carry their own policies. We can help ensure everyone in your practice — employees, renters, and contractors — has proper protection in place.
  • Can I get coverage if I’m just starting my business?
    Absolutely. In fact, getting insured before you open helps you avoid delays and early liability. We work with many new med spa owners and solo injectors preparing to launch.
  • Do I need to speak to an agent?
    No — the entire process is 100% online.
  • Is coverage available in my state?
    Yes — coverage is available in all 50 states.
Protecting senior placement agents is our passion. We are honored to be the #1 provider of placement liability insurance in the country. Contact us now for a quote >> 

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Discover why over 16,000 care providers have chosen HUB International for their insurance needs. With over $850 million of healthcare premium, we have the expertise and market clout to negotiate the best possible pricing and coverage for our clients. 

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Best in class service at a price point that you deserve. 

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