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.
These policies provide coverage for the most common group home risks.
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.
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.
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.
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.
Workers’ compensation insurance is required in almost every state for group homes that have employees. It can cover medical costs for work-related injuries.
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.
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.