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Texas Senior Placement Agent Insurance

Professional Liability & Coverage Built for TX-Based Referral Agencies

Protect Your Texas Senior Placement Business

Texas now regulates referral agencies for senior living. If you advise families and coordinate tours, you can be pulled into claims tied to vetting and documentation. Solid E&O plus GL helps you keep operating with confidence.

 

Our standard limits are $1,000,000 per incident / $3,000,000 aggregate for Professional and General Liability, with HNOA and Cyber commonly added.

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| Senior Placement Agent Insurance (overview)

What Insurance Does a Senior Placement Agent Need in Texas?

  • Professional Liability (E&O): Intake errors, alleged misrepresentation, or negligent placement may be covered

  • General Liability: Third-party injury/property damage during meetings/tours may be covered

  • Hired/Non-Owned Auto (HNOA): protection when using personal vehicles for business

  • Cyber Liability: for CRMs, email, and forms containing PII/PHI

  • Workers’ Compensation: if you have W-2 employees and subscribe

  • Franchise note: Franchise agreements often require HNOA and Cyber. Total annual insurance for franchisees may run $2,000–$2,500+, depending on limits and headcount.

Who Needs This Coverage:

  • Solo consultants and multi-agent shops

  • Franchisees (CarePatrol, Assisted Living Locators, Senior Care Authority, Oasis)

  • Groups partnering with hospitals, elder-law firms, and case managers

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Texas Compliance Snapshot (Why CarePro)

  • New law (SB 1383): Texas requires referral agencies to maintain liability insurance and follow specific operational duties (employee background checks, consumer disclosures, training, license audits, etc.). No dollar limit is specified in the statute—we typically recommend $1M/$3M. Effective June 20, 2025.

FAQ's for Texas Senior Placement Agents:

  • Does SB 1383 set a minimum limit?
    No. It requires liability insurance but does not specify a dollar amount. We advise $1M/$3M.
     

  • What duties apply under SB 1383?
    Among others: background checks for applicable staff, written disclosures, employee training, license audits of referred communities, and maintaining liability insurance.
     

  • Do I need HNOA if I don’t transport clients?
    If you or staff drive for business (site visits, tours), HNOA is smart and often required by partners/franchises.
     

  • Is Cyber Liability necessary?
    If you store sensitive client info, yes—cyber incidents can be costly.
     

  • Can CarePro help with compliance paperwork?
    Yes—we can provide certificates of insurance, often the same day to show proof of coverage.

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How Much Does Senior Placement Agent Insurance Cost in Texas?

  • Solo agent: $1,400–$1,800/year (typical starting range)

  • Each additional agent: higher, based on roles and exposure

  • Franchise agents: $1,900 - $2,500/year (typical range including HNOA and Cyber)
     

Rates are sample indications only; every account is underwritten.

​Helpful Links:

Proudly Covering Texas Senior Placement Agents 
across the Lone Star State, including:
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  • Houston

  • Dallas

  • Fort Worth

  • Austin

  • San Antonio

  • El Paso

  • Corpus Christi

  • Lubbock

  • McAllen

  • and every county in-between

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