Business Insurance for Group Homes

Group Homes
Paper house and family in hands against spring green background.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

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.

Group home employee taking care of residents.
Light bulb

Find the right coverage

Insureon helps group homes find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of business insurance do group homes need?

These insurance policies cover the most common risks of group homes.

General liability insurance icon

General liability insurance

General liability insurance covers basic third-party risks, such as a client tripping on your staircase. Bundle it with commercial property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damage to a resident's property
  • Libel and slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy can cover expenses if your group home is sued for negligence, such as an injury caused by lack of supervision. It's also called errors and omissions insurance (E&O).

  • Failure to provide promised care
  • Accusations of negligence
  • 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 policyholders to buy general liability coverage and commercial property insurance together.

  • Accidents that cause bodily injury
  • Damage to a resident's property
  • Damaged or stolen group home property
Directors and officers insurance icon

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 group home that led to financial loss.

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

Workers’ compensation insurance

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

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance can pay for property damage and medical bills in an accident involving your group home's vehicle. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does insurance cost for human and social services?

Human and social service professional calculating insurance costs for their business.

A small group home will pay less for commercial insurance than a larger company.

Factors that affect the cost of business insurance include:

  • Services offered, such as medical care or independent living training
  • Business property and equipment
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get group home insurance?

It's easy to get group home insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your group home, whether you work independently or hire employees.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

Compare insurance quotes for group homes
Save money by comparing coverage options from multiple carriers.