Group Home Insurance Coverage

Group home operators face unique challenges every day. From resident safety to regulatory compliance, Harper Insurance understands the complex risks that residential care facilities encounter while providing 24/7 care, managing staff, and maintaining safe living environments.

Our comprehensive group home insurance policies are specifically designed for companies operating residential care facilities, assisted living homes, and supportive housing services. Whether you operate a single group home or manage multiple residential facilities, we provide tailored coverage solutions that protect your residents, staff, and operations.

Essential Group Home Insurance Types

Professional Liability Insurance

Critical protection against allegations of abuse, neglect, improper care, or failure to provide adequate supervision. Covers legal defense costs and settlements for professional care decisions and service delivery.

General Liability Insurance

Protects against resident injuries, visitor accidents, and property damage claims occurring on your premises. Essential coverage for slip-and-fall incidents, premises liability, and third-party injury claims.

Commercial Property Insurance

Comprehensive coverage for group home buildings, contents, equipment, and resident personal property. Protects against fire, theft, vandalism, and natural disasters that could disrupt residential operations.

Workers' Compensation Insurance

Mandatory coverage for staff injuries while providing resident care. Covers medical expenses and lost wages for injuries from patient handling, workplace violence, and care-related activities.

Employment Practices Liability Insurance (EPLI)

Protection against wrongful termination, discrimination, harassment, and wage disputes involving care staff. Essential for facilities with multiple employees and complex scheduling requirements.

Business Interruption Insurance

Replaces lost income and covers ongoing expenses when covered property damage forces facility closure or resident relocation, helping maintain operations during restoration periods.

Cyber Liability Insurance

Protects against data breaches affecting resident medical records, personal information, and HIPAA-protected data stored in electronic care management systems.

Commercial Auto Insurance

Essential coverage for transportation vehicles used for resident medical appointments, recreational activities, and emergency transportation services.

Group Home Types We Serve

Developmental Disability Group Homes
Specialized coverage for facilities serving individuals with developmental disabilities including behavioral incident protection, specialized care liability, and regulatory compliance coverage.

Mental Health Residential Facilities
Comprehensive protection for mental health group homes including crisis intervention liability, medication management coverage, and specialized professional liability protection.

Assisted Living Facilities
Enhanced coverage for assisted living operations including personal care liability, fall prevention programs, and aging-in-place service protections.

Youth Group Homes
Coverage for residential facilities serving at-risk youth including behavioral management liability, educational service protection, and specialized supervision requirements.

Recovery & Transitional Housing
Protection for substance abuse recovery homes and transitional housing including relapse incident coverage and specialized counseling service liability.

Senior Care Group Homes
Specialized coverage for elderly care facilities including dementia care protection, medication management liability, and end-of-life care considerations.

Group Home Risk Factors

Resident Safety & Care Risks
Allegations of abuse, neglect, inadequate supervision, or improper care delivery that can result in regulatory investigations, license suspension, and significant legal liability.

Staff-Related Exposures
Employee misconduct, inadequate training, improper hiring, and staffing shortages that can compromise resident care quality and facility safety standards.

Premises & Property Risks
Facility accidents, fire safety issues, security breaches, and property damage that can endanger residents and disrupt essential care services.

Regulatory Compliance Issues
Licensing violations, inspection failures, documentation deficiencies, and regulatory non-compliance that can result in fines, penalties, and facility closure.

Medical & Health Emergencies
Resident medical incidents, medication errors, emergency response failures, and health crisis management issues requiring immediate professional intervention.

Transportation & Activity Risks
Accidents during resident transportation, recreational activity injuries, and off-site incident exposures during community integration programs and medical appointments.

Get Your Group Home Insurance Quote

Protect your residential care facility with comprehensive coverage designed for your industry. Our experienced agents understand group home risks and will work with you to build a protection plan that covers your specific operations, residents, and care responsibilities.

Key Benefits of Working with Harper:

• Specialized group home expertise
• Regulatory compliance guidance
• Resident-focused coverage solutions
• Expert care-related claims handling
• Coverage that meets licensing requirements

Ready to protect your group home operation? Contact Harper Insurance today for a comprehensive quote tailored to your residential care services and facility requirements.