♿ Independent Living (IDD)

Independent Living IDD Insurance

Insurance for independent living programs serving individuals with intellectual and developmental disabilities. Protect your clients, staff, and operations.

⚡Fast quotes — often within 24 hours

🏆A-rated carriers only

📋Same-day certificates

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Unique Risks We Address

Every independent living (idd) faces specific risks. We make sure you're covered.

Client injuries during activities

Medication management errors

Staff-to-client misconduct

Community integration accidents

Transportation incidents

Personal care injuries

Behavioral incidents

Licensing compliance

Coverage Options

Recommended Coverage

Tailored insurance products for independent living (idd) operations.

📋

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

🛡️

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

⚙️

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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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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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

What coverages are critical for IDD services?

Professional Liability, Abuse & Molestation, and General Liability are the core three. IDD programs work with vulnerable adults, making these coverages essential for organizational protection.

Are community outings covered?

Yes. General Liability and Professional Liability extend to authorized off-site activities, including community integration outings, shopping trips, and recreational activities.

Do we need vehicle coverage for client transportation?

Yes. If you transport clients, you need Commercial Auto or Hired & Non-Owned Auto insurance depending on vehicle ownership.