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Retirement Insurance

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Mitigate Risks with Retirement Home Insurance

Retirement Home Insurance in Canada

Our business insurance brokers are specialists in senior living. If you own or operate a retirement home in Canada and are looking for a reliable insurance policy to protect you, we can help.

Retirement Homes & Nursing Care Insurance 

We specialize in providing insurance for independent and assisted-living retirement homes, including extended-care and long-term care facilities. Exposure risks are complex, from staff to patient and patient to patient.

What is Covered Under a Retirement Home Insurance Plan?


Insurance for independent and assisted-living facilities typically include the below coverages:

Commercial Property:
Coverage for buildings and contents in a facility are included in your insurance policy. Alleged dishonesty by employees is also included. 

Liability insurance protects your business if there is bodily injury or property damage. A slip and fall case is a common claim that may destroy your bank account without proper insurance protection.  

Errors & Omissions (E&O) Insurance:
Lawsuits arising from services you provide are covered with this insurance option.

D&O Insurance:
Protection for directors and officers in your business related to upholding their responsibilities.  

Legal liability and defense costs are built into your businesses abuse policy and provide financial protection.

Protection from data breaches and other cyber-attacks in your company.

What are Other Insurance Coverages Included in a Retirement Home or Nursing Care Insurance Plan?

Some insurers may provide endorsements in a business insurance policy for assisted and independent living insurance policies in Canada, including equipment breakdown, emergency evacuation and crisis events (e.g., communicable diseases, contaminated foods.)

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Ask one of our experienced brokers for information on long-term care, assisted and independent living care facility insurance. Get a free quote today.

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Why Choose Rhodes & Williams?

  In Business for almost 90 years.

As an independently owned brokerage, we take care of our clients at every stage of the insurance journey, from the initial connection to the completion of each customer’s request, on time.

  Hands-on Insurance Services.

We have a team of committed brokers, which allows us to be the go-to insurance brokerage in major cities in Canada. We provide impeccable service so you can go on with your life with your insurance needs taken care of.

   Trusted by Many.

Whether you need home, car, business, or recreational insurance in Canada – we have your back. See our Testimonials for proof of exceptional service. 


There are a wide range of assisted living and senior homes in Canada. Your senior home premium will depend on many factors, including where the facility is located, the size of the facility, the number of staff and volunteers hired, revenue, and any prior claims.

As a business owner in a complex industry, your employees, volunteers, executives, and part-time and full-time staff should all be included under one policy. Always be cautious and ask your broker or insurer about the details of your policy, including who is insured and for what. Our brokers are savvy in the senior living insurance lingo and can walk you through an insurance policy for clarification.

No, independent and assisted-living home insurance is not mandatory for your business but highly recommended due to all the risks involved in running a home for seniors.

Most long-term care and assisted-living facilities do not have any (or have limited) protection specifically for infectious diseases. No facilities in Canada have a policy specifically for COVID-19. Thousands of deaths connected to COVID-19 happened in long-term care and assisted living facilities between 2020-2022, with lawsuits from patients and their families rising drastically during that time. As a result, premiums for care facilities skyrocketed, some as much as 35%.  Consult with your insurance provider, or one of our brokers who specialize in senior living care insurance for further guidelines. 

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We offer competitive rates and impeccable service.

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