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.
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.
These insurance policies cover the most common risks of group homes.
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.
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).
A business owner's policy, or BOP, is a cost-effective way for policyholders to buy general liability coverage and commercial property insurance together.
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.
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.
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.
A small group home will pay less for commercial insurance than a larger company.
Factors that affect the cost of business insurance include:
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:
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.