Running a residential care facility comes with unique risks that require specialized insurance coverages. Carpenter & Company provides comprehensive coverage designed specifically for your facility's needs. Our policies include: 

• General liability and property coverage
• Workers compensation through the HCFM Trust or other standard carriers
• Professional liability protection
• Employment practices liability
• Abuse and molestation coverage
• Cyber liability insurance

 We'll help you build a policy that addresses every aspect of your operation. Reach out to us for your free consultation and quote.

Residential care facilities face daily exposures that can result in significant financial losses without proper coverage. From slip-and-fall incidents to medication errors, your facility needs protection specific to the healthcare environment. Common risks include:

• Resident injuries and accidents
• Staff workplace injuries requiring workers comp
• Property damage from storms or accidents
• Professional liability claims
• Employment-related disputes
• Data breaches affecting resident information

Our team has over 150 years of collective experience protecting facilities like yours. We'll assess your specific situation and recommend coverage that fills every gap.

As a locally and family-owned agency located in Kansas City, MO, we've built our reputation on understanding healthcare facilities. Our work in workers’ compensation has been recognized with the prestigious TEDDY Award from Risk & Insurance® magazine. Our advantages include: 

• Free quotes on all insurance lines
• Next-day consultations at no charge
• Access to highly rated workers' compensation carriers
• Continuing education opportunities for your staff
• Active membership in Missouri and Kansas healthcare associations
• Dedicated senior staff with deep industry knowledge

 We're committed to protecting what you've built while supporting your facility's success. Our relationships with leading carriers ensure you'll receive competitive rates and comprehensive protection.

Carpenter & Company, based in Kansas City, MO, has been protecting healthcare facilities through the HCFM Workers Compensation Trust since its establishment in 1991. We're available around the clock to handle your claims and questions, and we'll provide continuing education resources for your team. Our free consultation will identify your coverage needs and present options from our network of trusted carriers. Contact us today to schedule your next-day consultation and receive your free quote on all lines of coverage.