GROUP HOMES & I/DD HOMES

Group Home & I/DD Home Insurance

Protecting residents, caregivers, and care environments

Group homes and Intellectual & Developmental Disability (I/DD) homes provide residential care, supervision, and support services for vulnerable populations. These responsibilities create heightened exposure related to resident safety, staff conduct, regulatory oversight, and continuity of care.

A properly structured insurance program is essential to protecting residents, caregivers, leadership, and the organization’s ability to operate responsibly.

Key Risks in Group Home & I/DD Operations

Group homes and I/DD facilities face exposure related to:

• Resident injuries or medical incidents

• Allegations of neglect, abuse, or improper supervision

• Professional liability tied to care and support services

• Employment practices and staffing challenges

• Regulatory compliance and licensing requirements

• Premises liability for residents, families, and visitors

Claims often involve sensitive situations and heightened scrutiny.

Core Coverages for Group Homes & I/DD Homes

Group home insurance programs typically include:

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

Professional Liability
Covers claims alleging negligence, errors, or failure to provide appropriate care or supervision.

Abuse & Molestation Liability
Provides coverage for allegations of abuse or improper conduct, including legal defense costs.

Employment Practices Liability (EPLI)
Covers claims related to hiring, termination, discrimination, harassment, or retaliation.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

What’s Commonly Overlooked

Group home insurance programs are often weakened by:

• Inadequate professional liability limits

• Missing or insufficient abuse & molestation coverage

• Failure to align coverage with services actually provided

• Gaps between staffing models and policy definitions

• Overlooking state-specific regulatory requirements

These gaps often surface during investigations or claims.

Real-World Claim Examples

• A resident is injured due to a supervision lapse

• A family alleges neglect or improper care

• An employee is injured while assisting a resident

• An abuse allegation triggers legal defense and review

Even unfounded claims can be financially and reputationally damaging.

Why Proper Placement Matters

Group home and I/DD coverage varies significantly based on:

• Level of care and services provided

• Resident population and supervision needs

• Staffing ratios and training protocols

• State licensing and compliance requirements

Improper placement can lead to denied claims or regulatory penalties.

Our Approach

At Cory Washington & Co., we approach group home and I/DD insurance with a care-first, compliance-driven mindset. We align coverage with service models, staffing practices, and regulatory obligations — helping organizations protect those they serve while safeguarding leadership and operations.

When care is the mission, protection must be uncompromising.