Business Insurance for Foster Care Centers

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Foster Care Center
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A lawsuit alleging abuse or mismanagement could cause irreparable financial damage, and might even force you to close. Safeguard your small organization with affordable foster care center insurance.

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One application, multiple quotes

With Insureon, foster care centers can compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do foster care centers need?

These policies cover the most common risks faced by foster care centers.

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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.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
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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.

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

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

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

Directors and officers insurance (D&O) 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.

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

Most states require workers' comp for foster care centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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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.

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

Why do foster care centers need business 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.

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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