Business Insurance for Group Homes

Compare multiple quotes from top carriers with one application.
Group Homes
Paper house and family in hands against spring green background.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.

Two adults reviewing paperwork with worker at group home.
Compare insurance quotes icon

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

  • Slip-and-fall accidents
  • Damaged resident 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 group homes to buy general liability insurance and commercial property insurance together.

  • Third-party bodily injury
  • Damaged resident property
  • Damaged 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
  • 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.

  • 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
Carousel prev arrow
"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."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for group homes
Save money by comparing insurance quotes from multiple carriers.
Group Homes