Protect Your Residents, Staff, and Property
At CTG Insurance, we understand the unique challenges faced by Residential Care Facilities and Assisted Living providers in Ohio. Whether you operate a small home serving a handful of residents or a larger assisted living campus, we design insurance solutions to protect your organization, staff, and residents.
Property Insurance
Your Facility is More Than a Building; It’s a Home for Many
Your residential care facilities are not just properties; they’re a crucial environment for the well-being of your residents.
Our commercial property insurance covers a range of potential claims, including:
We will make sure that your facility is protected, so you can focus on providing quality care without worrying about unforeseen property damage.
General and Professional Liability Insurance
Comprehensive Coverage for Peace of Mind
In the sensitive environment of a group home, even with the best risk management practices, unforeseen incidents can occur.
Our liability insurance provides coverage for claims, including:
Our liability insurance is designed to shield your facility from the financial implications of these risks, ensuring that you can continue to operate with confidence.
Tailored Policies:
Every residential care provider is unique — whether you operate a small Adult Family Home or a large Residential Care Facility (RCF) in Ohio. We take the time to learn about your resident population, service model, and operational risks. Our policies are built to address your exact needs, including requirements often tied to Ohio’s Assisted Living Waiver program and private-pay agreements.
Experienced Risk Advisors:
Our team understands the Ohio Department of Health (ODH) licensing process, RCF rules, and common findings from ODH inspections. We know how Medicaid Managed Care plans and private funding sources expect facilities to manage liability, staffing, and safety. This insight means we can anticipate risks before they become claims — and help keep you compliant with state and funding partner expectations.
Responsive Claims Service:
In a claim situation, speed and accuracy matter. Our claims team works to ensure that incidents are resolved quickly, fairly, and with minimal disruption to your daily operations. We coordinate directly with your leadership team and, when necessary, with funding agencies or Managed Care Organizations to keep the process smooth.
Risk Management Support:
We offer safety resources, staff training tools, and facility inspection checklists tailored to Ohio’s standards. Whether you’re preparing for your next ODH survey, reviewing medication administration protocols, or looking to reduce resident fall risks, we provide proactive strategies that not only improve safety but can also help lower your long-term insurance costs.
Residential Care Facilities Insurance Coverage We Offer
Professional Liability / Malpractice (E&O)
General Liability
Property Coverage
Commercial Auto and Hired & Non-Owned Auto
Crime Coverage
Cyber Liability
Directors and Officers (D&O)
Abuse and Molestation Coverage
Employment Practices Liability (EPLI)
All policies are customized to meet your facility’s size, services, risk profile, and funding source requirements.
Who We Serve in Ohio
We provide insurance for a variety of Ohio-licensed residential care providers, including:
- Residential Care Facilities (RCFs)
- Assisted Living Communities
- Memory Care Units
- Homes serving residents with physical disabilities, developmental disabilities, mental illness, or brain injuries
- Specialized care homes for seniors needing personal care but not full-time nursing services
Client Endorsements
At CTG Insurance, we’re committed to ensuring you can focus on what matters. Our full focus is on you having the best experience possible with every interaction… before, during, and after you choose to do business with us.
Great experience with CTG insurance handling our commercial policy needs. Very friendly and quick to respond and make changes to our policy when we need it. Special thanks to Aimee for her help!
CTG provides liability insurance for a nonprofit on whose board I sit and they have provided wonderful service, answering questions quickly and helping us clarify whether a specific activity was covered with speed that allowed us to continue to carry out our mission. I cannot recommend them highly enough!
CTG has rebid the insurance policies for multiple nonprofits I volunteer on the board for and everytime they are informative, great communicators, and their equivalent policies costed us less! I definitely recommend you calling them – Steve, Aimee, and Anton are all super helpful.
Spencer at CTG handled my church’s insurance needs with great professionalism. His made every effort in answering our questions and was able to find the best coverage for our church.
CTG makes it SO EASY to get answers to tough insurance questions. I needed special insurance for a project and Kat went above and beyond to secure the needed insurance.Don’t just chase the lowest price; CTG’s customer service is top notch. They are always a phone call away. Wonderful people!
CTG has been great to work, they helped us save money on our insurance, knowledgeable and Aimee is very quick and helpful to answer and question we had. Full Complete Service !!! Hard to find these days.
Start Protecting Your RCFs Today
Let us review your current policy or build one from scratch. We make the process fast, easy, and informative—so you can stay focused on caring for your residents.
We Serve Owners Across Ohio:
Columbus & Central Ohio
Cleveland Akron Canton Region
Cincinnati Metro
Toledo & Northwest Ohio
Mansfield
and surround communities
