Group Home Insurance Coverage Checklist
The coverages a group home business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for group homes. Priorities reflect typical exposure; confirm against residents served and restraint use.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional & General Liability (combined) | Covers care and premises claims. | Core | |
| Abuse & Molestation | Covers abuse and neglect allegations — often sublimited; confirm the limit. | Core | |
| Commercial Auto | Covers resident transportation. | Core | |
| Umbrella / Excess Liability | Adds limits for a death or catastrophic injury. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is abuse and molestation limits. Group home residents may be unable to report mistreatment themselves, and abuse, choking, and restraint claims can be severe — while many policies cap abuse at low sublimits. Programs should confirm A&M limits, make unannounced supervisor visits including nights, and review every restraint use.
Send us the checklist and we'll review your group home coverage line by line, then market it across multiple carriers that compete for your account.
Related: Group Home Insurance · Group Home Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a group home business need?
The core coverages for a group home business are Professional & General Liability (combined), Abuse & Molestation, Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my group home coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.