Protect Your Residents, Staff, and Property
In Illinois, Community Integrated Living Arrangements (CILAs), Intermediate Care Facilities (ICFs), and Residential Care Facilities must comply with IDHS Rule 115 and the CILA Licensure & Certification Act. Although insurance isn’t required by state licensing, IL DHS, Medicaid HCBS waivers, and funding agencies expect providers to carry comprehensive coverage.
CTG Insurance offers tailored insurance solutions designed specifically for Illinois CILA, ICF/IID, and residential care providers, ensuring your facility and residents are protected and supported.
Workers Compensation Insurance
Taking Care of Those Who Care for Others
The backbone of the compassionate care you provide.
Our Workers’ Compensation insurance is tailored to address the specific risks faced by caregivers in adult foster care settings. It includes:
CTG Insurance will ensure the well-being of your staff and the financial security of your facility with a tailored Work’ Comp policy.
Property Insurance
Your Facility is More Than a Building; It’s a Home for Many
Your personal care home is not just a property; it’s 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 an integrated living attangements, 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.
Specialized Illinois Expertise
We know CILA regulations and funding expectations inside and out—your team won’t have to interpret complex Rule 115 licensing alone.
Proactive Risk Advisory
Get compliance check-ins, documentation resources, and training tools designed to support state audits and licensing expectations.
Responsive Claims Advocacy
Should you need us, we’ll act quickly and compassionately to defend your license, staff, and residents.
Streamlined Implementation
From initial outreach to policy placement, we walk you through every step—clearly, thoroughly, and supportively.
Residential Care Facilities Insurance Coverage We Offer
Professional Liability (E&O)
(including care management and medication errors)
General Liability
Property Coverage
Workers’ Compensation
Commercial Auto and Hired & Non-Owned Auto
Crime Coverage
Cyber Liability
Directors and Officers (D&O)
Abuse and Molestation Coverage
Employment Practices Liability (EPLI)
Each package is tailored to align with Medicaid HCBS waiver requirements, IDHS oversight, and your facility’s risk profile.
Organizations We Serve
We work with licensed facilities under IDHS and the CILA Act, including:
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Community Integrated Living Arrangements (CILAs) under Rule 115
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Intermediate Care Facilities for Intellectually Disabled (ICF/IID)
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Residential Care Facilities / Board & Care Homes
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Adult Foster & Supported Residential CILA settings
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.
