Group Home Insurance

Group Home Insurance

Protecting residents, caregivers, and residential care operations

Group homes provide supervision, care, and housing for individuals who require assistance with daily living, creating unique liability and professional exposure. Whether operating an I/DD home, behavioral health residence, or supportive living facility, providers must manage risks involving resident safety, staff actions, medical care, and regulatory compliance. Even with proper training and procedures, claims can arise from routine care activities.

Properly structured insurance helps protect residents, staff, and the long-term stability of the home.

Key Risks in Group Home Operations

Group homes face exposure related to:

• Resident injuries or falls

• Abuse or neglect allegations

• Staff supervision or care errors

• Medication or treatment issues

• Property damage or fire loss

• Employee injuries

• Licensing or regulatory investigations

Claims can arise even when care standards are followed.

Core Coverages for Group Homes

Group home insurance programs typically include:

Professional Liability
Protects against claims involving supervision, care decisions, or failure to provide proper services.

General Liability
Covers bodily injury and property damage claims involving residents, visitors, or third parties.

Sexual Abuse & Molestation Liability
Protects against allegations involving residents, staff, or caregivers.

Commercial Property
Covers the home, furniture, and equipment against covered physical loss.

Workers Compensation
Provides coverage for employee injuries as required by law.

Commercial Auto (when applicable)
Covers vehicles used to transport residents.

Umbrella / Excess Liability
Provides additional limits for severe or multiple claims.

What’s Commonly Overlooked

Group home insurance programs are often weakened by:

• Missing abuse or molestation coverage

• Inadequate professional liability limits

• Failure to cover contract staff

• Underinsured property values

• No coverage for transportation exposure

• Gaps between liability and professional coverage

These problems often appear only after a claim occurs.

Real-World Claim Examples

• A resident falls and is injured

• An allegation is made against staff

• Medication error leads to a claim

• Fire damages the residence

• A regulatory complaint results in investigation

Even one claim can threaten the ability to operate.

Why Proper Placement Matters

Group home coverage varies significantly based on:

• Type of residents served

• Level of care provided

• Number of staff

• State licensing rules

• Medical or behavioral services

• Contract requirements

Improper placement can result in denied claims or licensing issues.

Our Approach

At Cory Washington & Co., we structure group home insurance programs based on the level of care provided, staffing structure, and regulatory requirements. We coordinate professional liability, abuse coverage, property, and employment protection to ensure your coverage reflects the real responsibility involved in residential care.

Facilities that provide care require protection built for responsibility.