Business Insurance for Group Homes

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Group Homes
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Save money by comparing insurance quotes for group homes

A lawsuit over negligent care or a visitor injury could lead to lasting financial damage. Insurance coverage for group homes safeguards your business so you can continue to provide care for your vulnerable clients.

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Compare quotes from top carriers

Insureon helps group homes compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do group homes need?

These policies provide coverage for the most common group home risks.

General liability insurance icon

General liability insurance

General liability insurance covers common risks, such as a client tripping on your staircase. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged resident property
  • Libel and slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, can cover expenses if your group home is sued for negligence, such as injuries caused by lack of supervision.

BEST FOR
  • Failure to provide promised care
  • Claims of abuse or neglect
  • Lack of supervision
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for group homes to buy general liability insurance and commercial property insurance together.

BEST FOR
  • Visitor injuries
  • Damaged resident property
  • Damaged group home property
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 group home that led to financial loss.

BEST FOR
  • Accusations of mismanaged funds
  • Failure to comply with regulations
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for group homes that have employees. It can cover medical costs for work-related 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.

Why do group homes need insurance?

Your clients might have physical disabilities, behavioral problems, or struggle with addiction. That places tremendous liability on your services and staff. Group home insurance can safeguard your financial well-being despite lawsuits, injuries, and other risks of caring for those with complex needs.

How much does insurance cost for human and social services?

Person writing on tablet calculating cost of business insurance.

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

  • Services offered, such as medical care or independent living training
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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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Software / internet design
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