Intermediate-resource housing business insurance
Univesta stands out in the intermediate-resource housing sector thanks to deep knowledge of the health-care field. We offer specialized support and access to recognized programs — including the ARIHQ program, in partnership with Northbridge, a highly respected insurer.
Care with heart, coverage with rigour
Intermediate resources play an essential role, offering a living environment suited to people in vulnerable situations — whether in mental health, intellectual disability, autism spectrum disorder, or seniors’ residences. It’s a mission that carries real responsibility, both human and financial.
The right insurance protects your whole organization — your buildings, your contents, and your business interruption, including wages and fixed costs after a loss. It also covers civil liability for bodily injury and property damage, professional liability tied to care and medication administration, plus specific coverages like abuse, directors and officers, and even residents’ civil liability and their belongings.
At Univesta, we bring it all together under a single policy — meeting the full range of realities you face while keeping your operations running and financially steady.
Coverage that looks after your mission
To point you in the right direction, we’ve gathered the essential coverages for protecting what you’ve built below.
Because every operation is different, we’d also encourage you to call our specialists for tailored advice and to build the exact coverage your business needs.
Building and contents insurance
Protects your facilities and equipment against physical damage, safeguarding your assets.
Business interruption insurance
Covers the financial impact — including certain wages and costs — to keep your operations going.
Civil liability
Protects you against claims for bodily injury or property damage caused to others.
Professional liability (E&O)
Covers the risks tied to care, medication administration, and the services you provide.
Abuse coverage
Provides specific coverage for allegations or instances of abuse in any form.
Directors’ and officers’ liability (D&O)
Protects those involved in management against claims tied to their decisions and employment practices.
Resident protection
Covers residents’ civil liability and their personal belongings.
Cyber risk
Protects against IT risks, data breaches, and digital incidents.
FAQ
Have questions about your coverage? Find quick answers to the ones we hear most often.
If your situation needs a closer look, or your question isn’t here, our team is happy to help. Reach out for answers tailored to you: 1 833 789-9203.
Yes — resident civil liability coverage can be built right into the policy.
It’s a good idea to have a professional appraisal done by a chartered appraiser every five years, to set the right rebuilding cost — including demolition and debris-removal expenses.
Yes — you can opt for employment-practices coverage, which is a portion of what directors’ and officers’ insurance offers.
Yes — this kind of situation can be covered under the professional liability tied to your care activities.
Coverage can include several forms of abuse — physical, psychological, and sexual — as well as neglect.
Why work with a business insurance broker
An independent broker works for you, not for an insurer — comparing offers, advising you, and standing up for your interests at every step.
Access to multiple insurers
Your broker shops the market for you across a range of insurers and brings you the best options. The result: coverage that genuinely fits the way you do business.
Advice built around you
No off-the-shelf solutions here. Our experts look at your situation, the risks in your sector, and what you actually need, then recommend coverage that’s right-sized — neither too much nor too little.
An ally at claims time
When something happens, your broker is on your team — guiding you through the claim, defending your interests with the insurer, and making sure your business gets everything it’s entitled to.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.