Protecting Those Who Protect the Vulnerable
At Eastman Insurance Solutions (EIS-Texas), we understand the profound responsibility of caring for adults with Intellectual and Developmental Disabilities (IDD). Whether your organization operates multiple Intermediate Care Facilities (ICFs/IID), Host Home/Companion Care programs, or Supervised Living residences, your mission is to provide safety, dignity, and meaningful independence for the individuals you serve.
Our mission is to protect you—your staff, your facilities, and your residents—so you can continue protecting those who depend on you most.
EIS-Texas specializes in comprehensive insurance programs for larger residential care providers throughout Texas, including protection for both licensed care agencies and property owners who provide homes to those agencies.
Compliance and Oversight in Texas
Residential care programs that serve adults with IDD in Texas operate under strict regulations enforced by the Texas Health and Human Services Commission (HHSC) and, historically, the Department of Aging and Disability Services (DADS).
These agencies oversee licensing, inspections, and compliance for:
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ICF/IID Programs (Intermediate Care Facilities for Individuals with Intellectual Disabilities)
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Home and Community-Based Services (HCS)
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Texas Home Living (TxHmL)
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Host Home/Companion Care (HH/CC)
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Supervised Living and Residential Support Programs
Our team understands the operational risks and compliance requirements defined under Texas Administrative Code, Title 40, and ensures your insurance program aligns with HHSC standards for residential facilities and community-based providers.
Comprehensive Insurance for Texas Residential Care Providers
From direct care operations to residential housing and transport, your organization faces complex risk exposures. EIS-Texas delivers all-lines coverage built specifically for the Health & Human Services industry.
Core Coverages Include:
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General & Professional Liability (E&O)
Protects against negligence or errors in care delivery. -
Abuse & Molestation Coverage
Essential protection for IDD facilities serving vulnerable adults. -
Workers’ Compensation
Covers medical costs and wages for injured employees in caregiving roles. -
Commercial Property Insurance
Protects group homes, medical equipment, and facility assets. -
Commercial Auto Insurance
Covers vehicles used for resident transport or staff travel. -
Cyber Liability & Data Breach
Protects sensitive health and HIPAA-protected data. -
Employment Practices Liability (EPLI)
Covers claims of wrongful termination or discrimination. -
Umbrella & Excess Liability Coverage
Provides additional protection for organizations with multiple homes.
Serving Both Care Providers and Property Owners
EIS-Texas provides coordinated coverage for both:
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Residential Service Providers (RSPs) – Licensed organizations operating IDD programs such as HCS or TxHmL.
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Property Management Companies / Owners – Entities that lease or own homes used by licensed providers.
Our integrated model eliminates gaps between property and operational exposures, ensuring seamless protection across your organization’s entire service network.
Access to Group Captive Insurance Programs in Texas
As your network of homes grows, EIS-Texas offers access to Group Captive Insurance Programs, providing greater control and financial benefit.
Advantages of Captive Participation:
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Control over claims and premium outcomes
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Potential profit-sharing from favorable loss performance
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Long-term rate stability
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Exclusive access for providers with significant annual premium volume
This program is ideal for large IDD care organizations seeking a proactive, partnership-based insurance model aligned with their long-term growth.
Why Texas IDD Providers Choose EIS-Texas
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Expertise in Health & Human Services insurance
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Experience serving multi-home residential care networks
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Partnerships with top-rated carriers
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Access to group captive solutions
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Guided by honor, integrity, selflessness, and service
EIS-Texas goes beyond policy placement. We act as your risk management ally, helping ensure compliance with HHSC licensing and Texas Administrative Code standards while delivering long-term financial protection.
Serving Providers Across the Lone Star State
EIS-Texas proudly supports IDD and residential care providers in:
Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso, and throughout North, Central, and East Texas.
No matter where your homes or programs are located, we deliver consistent service, expertise, and protection.
Partner with EIS-Texas Today
You’ve dedicated your life to empowering adults with intellectual and developmental disabilities. Let us help protect that mission.
Contact EIS-Texas today to schedule a consultation or risk management review for your licensed care organization.
Related Services:
Frequently Asked Questions
Q: Which licensing authority governs IDD residential programs in Texas?
Residential programs are licensed and overseen by the Texas Health and Human Services Commission (HHSC), which regulates HCS, TxHmL, and ICF/IID programs.
Q: Can EIS-Texas insure both the provider and the property owner?
Yes. We design policies that protect both licensed service providers and the property owners supplying residential facilities.
Q: What are the premium thresholds for captive eligibility?
Providers with annual premiums exceeding $250,000 typically qualify. We’ll assess eligibility during a consultation.
Q: Do you offer coverage for transportation and community outings?
Yes. Our commercial auto policies cover vehicles used to transport residents or staff for community integration and day programs.
Summary
EIS-Texas delivers specialized insurance for licensed residential care facilities and IDD service providers. From regulatory compliance to all-lines coverage, we protect your mission and your homes. As you grow, our group captive programs offer financial control and long-term partnership—empowering you to focus on improving lives with confidence and compassion.