Care Association
Care Association is a Colorado-based insurance program administrator, founded in 1995, that sells annual liability insurance (general, professional, and HIPAA) directly to individual care providers serving the developmentally disabled population — Host Home, Respite, In-Home Support, Community Access, and Therapists — under a surplus lines master policy through Flood Peterson.
- Company typePrivate
- Founded1995
- HeadquartersGreenwood Village, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Care Association does
Care Association is a Colorado-based insurance program administrator founded in 1995 that specializes in providing liability insurance to individual care providers serving the developmentally disabled population. The company operates three core products under a master policy with $1,000,000 per-claim and $5,000,000 aggregate limits, delivered as surplus lines coverage through Flood Peterson: the Host Home Program (residential care providers, ages 18-64 and 65+ tiers priced by client count), the Respite, In-Home Support and Community Access Program (a single-rate offering for temporary and in-home care providers), and the Therapists Program (individual licensed and non-licensed therapeutic professionals). All three programs bundle General Liability, Professional Liability, and HIPAA Privacy Liability coverage and are explicitly designed to meet State of Colorado regulatory requirements (CCR 2505-10 8.603.8) while also being available in many other U.S. states.
The business model is a direct-to-consumer, unit-priced annual subscription. Customers apply through a secure online portal paying by credit or debit card, or via printable mail-in applications paid by check or money order; phone support is available for complex eligibility questions. Annual premiums range from approximately $452 (single-client Host Home, ages 18-64) to $1,290 (three-client Host Home, ages 65+), with full payment required before certificates are issued and no refunds for mid-year cancellations. The company has 11-50 employees, is privately held with no disclosed external funding, and functions operationally as a small program administrator under the Flood Peterson brand.
The underlying technology is conventional: online application and payment processing, printable PDFs, and phone-based service — there is no proprietary platform, no API, no AI/ML capability, and no disclosed integrations. The competitive position rests on nearly 30 years of vertical specialization, regulatory familiarity with Colorado's DD care requirements, and the embedded renewal relationships with individual providers and contracting agencies, rather than on technology differentiation. Geographic reach is concentrated in Colorado with extension into multiple other states, but specific state footprint is not enumerated.
Care Association firmographics
Firmographics- Name
- Care Association
- Legal name
- Care Association
- Website
- https://careassociation.net
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Care Association is a Colorado-based insurance program administrator, founded in 1995, that sells annual liability insurance (general, professional, and HIPAA) directly to individual care providers serving the developmentally disabled population — Host Home, Respite, In-Home Support, Community Access, and Therapists — under a surplus lines master policy through Flood Peterson.
- Ownership category
- akta.pro rank
Care Association industry classification
Industry- Product category
- Specialty Liability Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Professional Liability (Errors & Omissions) (FSAJADAB)
- akta.pro secondary industry
- General Liability Insurance (FSAJAMAE)
Keywords
Where Care Association is headquartered
LocationHeadquarters
- HQ city
- Greenwood Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Care Association business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: The Care Association collects annual insurance premiums from individual care providers including Host Home Providers, Respite Providers, In-Home Support providers, Community Access providers, and Therapists. Premiums are collected via credit card, debit card, check, or money order. The program is delivered as surplus lines coverage through Flood Peterson insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Host Home Program Ages 18-64: 1-3 clients |
| Unit Pricing | Annual | Host Home Program Ages 65+: 1-3 clients |
| Unit Pricing | Annual | Respite, In-Home Support, Community Access: Single rate |
| Subscription | Annual | Therapists Program |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Care Association product offering
Product offeringCore offering
Care Association administers specialty liability insurance programs for individual care providers serving the developmentally disabled population. It sells General Liability, Professional Liability, and HIPAA Privacy Liability coverage through three programs — Host Home, Respite/In-Home Support/Community Access, and Therapists — issued as surplus lines coverage under a Flood Peterson master policy with $1,000,000 per-claim and $5,000,000 aggregate limits. Premiums are billed annually, payable online or by mail, with full payment required before certificates are issued.
Product overview
Care Association offers a suite of three insurance programs designed for individual care providers serving the developmentally disabled population: the Host Home Program for residential care providers, the Respite/In-Home Support/Community Access Program for temporary and in-home care providers, and the Therapists Program for licensed and non-licensed therapeutic professionals. All three programs provide General Liability, Professional Liability, and HIPAA Privacy Liability coverage under a master policy with $1,000,000 per-claim and $5,000,000 aggregate limits, delivered as surplus lines coverage. The programs are primarily designed for Colorado providers but also serve providers in many other states.
Differentiator
Problem solved
Functional benefit
Products and services
- Host Home Program Annual liability insurance program for individual Host Home Providers delivering 24/7 residential services and supports to adults with developmental disabilities in their own homes, providing General Liability, Professional Liability, and HIPAA Privacy Liability coverage under a $1,000,000 per-claim and $5,000,000 aggregate master policy and meeting State of Colorado CCR 2505-10 8.603.8 general liability requirements.
- Respite, In-Home Support and Community Access Program Annual liability insurance program for individual Respite, In-Home Support, and Community Access providers offering temporary relief care, non-medical in-home support, and community inclusion services to developmentally disabled individuals, providing General Liability, Professional Liability, and HIPAA Privacy Liability coverage at a flat annual rate of $452.18 inclusive of surplus lines tax and processing fees.
- Therapists Program Annual professional liability insurance program for individual licensed and non-licensed therapists and counselors (early intervention, speech, occupational, behavior, cognitive, rehabilitation, music, and art therapy) serving individuals with developmental disabilities, providing General Liability, Professional Liability, and HIPAA Privacy Liability coverage; only individual therapists without employees or contractors are eligible, and the premium rate is not publicly disclosed.
Companies that use Care Association
Customer profileSegments3 records
Ideal customer profiles3 records
Care Association technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Care Association partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights4 records
Care Association competitors and assessment
Company assessmentBroad incumbents
- Markel Specialty Insurance: Large specialty insurance carrier offering professional and general liability coverage across healthcare, social services, and human services verticals. Operates in adjacent product space with broader portfolio scale.
- Liberty Mutual – Human Services Practice: National carrier with a human services specialty practice offering general and professional liability to DD service providers and agencies. Comparable product offering delivered through broader carrier infrastructure.
- Philadelphia Insurance Companies (PHLY): Carrier offering professional and general liability policies to human services and healthcare providers, including programs serving individuals with developmental disabilities. Broader portfolio player in the same product category.
- Tokio Marine HCC – Human Services: Specialty insurance group with dedicated human services and social services liability programs for care providers and agencies. Provides overlapping professional/general liability for DD and human services providers.
Direct peers
- Proliability (Healthcare Professional Liability): Online-distributed professional liability insurance for individual healthcare practitioners and allied professionals. Comparable direct-to-consumer digital funnel and professional liability product offering.
- Nurses Service Organization (NSO): Program administrator offering professional liability insurance for individual healthcare professionals. Comparable distribution model and product structure (specialty professional liability to individual practitioners via dedicated program).
- Healthcare Providers Service Organization (HPSO): Specialty broker/program administrator providing professional liability insurance to individual healthcare providers and caregivers. Comparable in being a niche-focused program manager distributing liability coverage to individual practitioners in caregiving verticals.
- CPH & Associates: Insurance broker focused on healthcare/social services professional liability for individual providers. Directly comparable target customer base of small/individual care providers needing general and professional liability coverage.
- Foster Care Insurance Partners: Specialty insurance program for foster and host home providers, offering liability coverage to individual caregivers. Closest functional peer given overlap in host-home/foster-care provider liability for vulnerable populations.
Emerging players
- Nonprofit Insurance Solutions (e.g., Compass Point): Smaller specialty brokers serving nonprofit, social-services, and human-services providers with liability coverage. Adjacent comparable in target customer profile (mission-driven, small human-services operators).
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Care Association social profiles
Digital presenceCare Association compliance and trust
Trust signalCompliance1 record
Care Association financial estimates
Financial estimateRevenue estimate
Valuation estimate
Care Association leadership team
Management profileNumber of profiles
Care Association funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Care Association M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Care Association
What does Care Association do?
Care Association administers specialty liability insurance programs for individual care providers serving the developmentally disabled population. It sells General Liability, Professional Liability, and HIPAA Privacy Liability coverage through three programs — Host Home, Respite/In-Home Support/Community Access, and Therapists — issued as surplus lines coverage under a Flood Peterson master policy with $1,000,000 per-claim and $5,000,000 aggregate limits. Premiums are billed annually, payable online or by mail, with full payment required before certificates are issued.
Is Care Association a public or private company?
Care Association is a private company. It is classified as corporate owned and is currently operating.
When was Care Association founded?
Care Association was founded in 1995. It employs 11 to 50 people.
Where is Care Association based?
Care Association is headquartered in Greenwood Village, United States, in the North America region.
How does Care Association make money?
One revenue line is on record: insurance Premiums.
Who are Care Association's main competitors?
Broad incumbents on record are Markel Specialty Insurance, Liberty Mutual – Human Services Practice, Philadelphia Insurance Companies (PHLY) and Tokio Marine HCC – Human Services. Direct peers are Proliability (Healthcare Professional Liability), Nurses Service Organization (NSO), Healthcare Providers Service Organization (HPSO), CPH & Associates and Foster Care Insurance Partners. Nonprofit Insurance Solutions (e.g., Compass Point) is listed as an emerging player.
Does Care Association have an API?
No public API is recorded for Care Association.
What industry is Care Association in?
Care Association's product category is Specialty Liability Insurance. Its primary akta.pro industry code is FSAJADAB, Professional Liability (Errors & Omissions), with a secondary code of FSAJAMAE, General Liability Insurance. Its NAICS code is 524210 and its SIC code is 6411.