Protect Your Washington Senior Placement Agency
Washington treats senior placement as a regulated professional service. If you help families find assisted living or memory care, you face exposure for intake errors, misrepresentation, and facility vetting. The right insurance may protect your business, your reputation, and your clients.
At CarePro, we build policies for Washington referral agencies—from solo advisers to multi-agent teams. Our standard limits are $1,000,000 per incident / $3,000,000 aggregate for both Professional and General Liability.
What Insurance Does a Senior Placement Agent Need in Washington?
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Professional Liability (E&O): allegations of intake errors, misstatements, or negligent recommendations may be covered
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General Liability: slip-and-fall at your office or during tours may be covered
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Hired/Non-Owned Auto (HNOA): when staff drive personal cars to tours or visits
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Cyber Liability: PII/PHI in CRMs, emails, or intake forms
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Workers’ Compensation: if you have W-2 employees
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Franchise note: Many franchises typically require HNOA and Cyber; total annual insurance costs for franchisees may be in the $2,000–$2,500 range depending on headcount and limits.
Who Needs This Coverage:
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Solo senior placement consultants and multi-agent firms
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Franchisees (CarePatrol, Assisted Living Locators, Senior Care Authority, Oasis)
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Hospital/social-work referral partners and discharge planners doing private consulting
Washington Compliance Snapshot (Why CarePro)
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Required insurance: Washington’s RCW 18.330 requires referral agencies to maintain combined general + professional liability insurance of $1,000,000.
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Required practices: WA also requires a written disclosure to clients and a standardized intake form prior to any referral. We’ll align your COI and procedures to these rules.
FAQ's for Washington Senior Placement Agents:
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Is $1M required in WA?
Yes. WA’s referral-agency law specifies $1,000,000 combined general + professional liability. We recommend $1M/$3M limits to align with best practices.
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Are disclosure and intake forms mandatory?
Yes—before a referral, provide a disclosure and complete a standardized intake. We can share templates.
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Do I need HNOA if I don’t drive clients?
If you or staff drive for any business reason (facility tours, meetings), HNOA is prudent and often franchise-required.
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Is Cyber Liability really necessary?
If you store client health or financial details, Cyber can limit the damage from phishing or data loss.
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Do franchises require specific coverages?
Typically yes—expect HNOA and Cyber at minimum, plus PL/GL.
How Much Does Senior Placement Agent Insurance Cost in Washington?
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Solo agent: $1,400–$1,800/year (typical starting range)
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Each additional agent: higher, based on roles and exposure
Rates are sample indications only; every account is underwritten.
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