"Safe Spaces Start With the Right Coverage."
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.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.