Powered by AI and People. Changing the Insurance Industry.
Better products. Better service. Lower premiums.

Insurance built for assisted living and nursing home communities.

From daily resident care to skilled nursing services, running a senior living community means managing real risk around the clock. BCG Advisors pairs specialist advisors with AI-driven insight to place broader protection, price it sharper, and stand beside you when it matters most.

Serving assisted living and nursing home communities across New Jersey & beyond

For Assisted Living & Nursing Homes

Coverage that fits a community

  • Professional & General Liability
  • Abuse, Neglect & Molestation Liability
  • Commercial Property & Workers’ Comp
  • Commercial Auto — resident transport, hired & non-owned
  • Cyber, EPLI & Umbrella
  • Directors & Officers, Employee Benefits Liability
Why Assisted Living & Nursing Homes Choose BCG

A specialist partner, not just a policy

  • 1

    We know senior care

    We understand staffing pressures, resident care standards, and the professional liability exposure unique to operating a community — and we place coverage that reflects it.

  • 2

    People + AI, together

    Technology makes us faster and sharper; experienced advisors make the calls. You always have a human accountable to you.

  • 3

    Advocates when it counts

    At renewal and at claim time, we go to bat for you — negotiating terms and fighting for fair, fast outcomes.

  • 4

    Two New Jersey offices, one team

    Local, responsive service from Secaucus and Red Bank, with the market reach of a full-service brokerage.

Coverage that keeps up with your community

12+

Coverage lines tailored to assisted living and nursing homes

2

New Jersey offices near you

3
Lines of business under one roof: commercial, benefits & personal
1

Dedicated advisor accountable to you

  • AI works behind the scenes. A real advisor reviews every recommendation, placement, and claim decision.
The AI Advantage

Smarter tools. Human advisors.
Better outcomes for your community.

We put artificial intelligence to work behind the scenes — so your advisor spends less time on paperwork and more time protecting your community. Every recommendation is reviewed by an experienced professional accountable to you.

A fuller picture of your risk

AI organizes your history, exposures, and needs fast, so your story reaches carriers complete and accurate.

Sharper benchmarking

We pressure-test your limits and pricing against comparable accounts, so you’re never over- or under-insured.

Proactive risk prevention

Data models flag emerging exposures early, so we can recommend safeguards before a small issue becomes a claim.

Stronger claims advocacy

When something happens, we move fast and push hard, making sure a settlement reflects what your policy truly owes.

Coverages for Assisted Living & Nursing Homes

One program, built around how you actually operate

We tailor a complete insurance program to your community — assisted living, skilled nursing, memory care, and independent living operators alike.

General Liability

Third-party bodily injury and property damage arising from community operations.

Professional (Medical) Liability

Claims arising from resident care, treatment decisions, and clinical judgment.

Abuse, Neglect & Molestation Liability

Protection against claims of abuse or neglect involving residents in your care.

Commercial Property

Your facility, equipment, and furnishings — protected against fire, storm, theft, and more.

Workers’ Compensation

Medical costs and lost wages for staff injured on the job, plus employer liability.

Commercial Auto

Your vans and vehicles — owned, hired, and non-owned — for resident transport and appointments.

Cyber Liability

Breach response and liability for resident health records and family data your community stores.

Employment Practices (EPLI)

Defense and coverage for wrongful termination, discrimination, and harassment claims from staff.

Directors & Officers (D&O)

Protection for your leadership against management liability claims.

Employee Benefits Liability

Coverage for errors in administering staff benefit plans.

Umbrella & Excess

Extra layers of liability protection that sit above your primary limits when a claim runs large.

Not sure what you need? That’s exactly what a consultation is for — we’ll benchmark your organization and build the right program together.

How it Works

From first call to ongoing protection

Step 01

Book a consultation

Tell us about your business — industry, operations, payroll, and current coverage. No obligation, no pressure.

Step 02

Get a tailored program

We benchmark your risk, market your account to the right carriers, and present clear options built around your needs.

Step 03

Ongoing advocacy

We manage renewals, monitor emerging risk, and advocate hard for you whenever a claim arises.

Let’s Talk

Book your insurance consultation

A short conversation is the fastest way to see where you’re protected, and where you aren’t. We’ll review your current coverage and show you what an AI-enhanced brokerage can do across benefits, commercial, and personal lines.

Request your consultation

We’ll get back to you within one business day.

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