Operating since 2006, Protégé Insurance Brokers in Point Loma builds commercial-insurance packages exclusively for adult residential care facilities, assisted-living homes, and home-health agencies. General-liability and professional-liability bundles address the negligence and abuse-allegation exposures unique to RCFE and ARF operators, risks that intersect with the elder-law practice at Allenby Law. As a Nationwide-appointed independent broker, the agency sources quotes from multiple carriers across California, Arizona, Florida, Oregon, Texas, and Washington. Workers-compensation and employment-practices-liability policies protect facility owners from caregiver-injury and wrongful-termination claims, compliance obligations that estate-planning attorneys at On Point Estate Law encounter when structuring facility ownership. The most complex accounts layer general liability, professional liability, commercial auto, workers compensation, and employment-practices coverage for multi-site RCFE operators managing 50 or more beds across several states.