🏡 Group Homes

Group Home Insurance

Insurance for group homes serving individuals with intellectual and developmental disabilities (IDD) and children. Protect your residents, staff, and facility.

⚡Fast quotes — often within 24 hours

🏆A-rated carriers only

📋Same-day certificates

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Unique Risks We Address

Every group homes faces specific risks. We make sure you're covered.

Resident injuries

Medication administration errors

Elopement/wandering

Staff-to-resident abuse

Restraint-related injuries

Resident-on-resident incidents

Property damage by residents

State licensing compliance

Coverage Options

Recommended Coverage

Tailored insurance products for group homes operations.

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General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

Premises liability
Operations coverage
Personal & advertising injury
Medical payments

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Abuse & Molestation

Critical coverage for organizations serving vulnerable populations — covers allegations of abuse or misconduct.

Abuse allegations
Investigation costs
Defense expenses
Background check gaps

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Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

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Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

Building coverage
Contents & equipment
Business interruption
Valuable papers

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Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

Medical expenses
Lost wages
Rehabilitation
Employer liability

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Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

Wrongful acts defense
Employment claims
Breach of duty
Regulatory actions

Frequently Asked

Is abuse & molestation coverage essential for group homes?

Absolutely. Group homes serve vulnerable populations, making abuse & molestation coverage critical. It's often required by state licensing agencies and is a best practice for all residential care facilities.

What if a resident wanders off and is injured?

Professional Liability covers claims of negligent supervision, including elopement incidents. Having documented protocols for resident monitoring is essential for both prevention and claims defense.

Does insurance cover damage caused by residents?

Property insurance covers damage to your facility and contents. However, a resident's intentional damage may have different coverage considerations. We can review your specific policy terms.