Business Insurance for Foster Care Centers

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Save money by comparing foster care center insurance quotes

A lawsuit claiming abuse or misappropriation of funds could cause irreparable financial damage. Safeguard your small organization with foster care center insurance.

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What types of insurance do foster care centers need?

These policies provide coverage for the most common foster care center risks.

General liability insurance icon

General liability insurance

General liability insurance covers common risks, such as a foster parent slipping on a wet floor. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for foster care and child welfare organizations to buy general liability and commercial property insurance together.

BEST FOR
  • Visitor injuries
  • Damage to clients’ property
  • Damage to business property
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, can cover expenses if your foster care center is sued for negligence, such as placing a child in unsuitable housing.

BEST FOR
  • Accusations of negligence
  • Failure to properly place children
  • Oversights in background checks
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance protects board members against legal expenses if they are sued for a decision made on behalf of your foster care center that led to financial loss.

BEST FOR
  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for foster care centers that have employees. It can cover medical costs from work injuries.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance can pay for third-party property damage and medical bills in an accident, along with damage caused by theft, weather, and vandalism.

BEST FOR
  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

How much does insurance cost for human and social services such as foster care?

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Several factors will have an impact on insurance costs, including:

  • Services offered, such as screening and placement
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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Why do foster care centers need insurance?

Foster care centers provide vital services to vulnerable youth. Between offering temporary housing and complying with regulations, you are exposed to risks that may trigger lawsuits from families and guardians. Foster care insurance can reduce the likelihood that the financial hit from a lawsuit will hinder your mission.

 

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