SPECIALTY INSURANCE
Group Home Insurance
Protection built for residential care homes serving vulnerable residents. Liability, abuse and molestation, property, and auto in one program, matched to the population you serve and shopped across 20+ carriers.
Get A Quote Call 833-776-4671- Specialty Insurance
- Group Home Insurance
Quick Answer: A group home needs a layered program built around general liability, professional liability, dedicated abuse and molestation coverage, commercial property, workers compensation, and auto for resident transport. Nonprofit-operated homes should also carry directors and officers coverage. The right limits depend on the population you serve, your bed count, and your state. Pro Insurance Group designs and places these programs for group home operators nationwide. Call 833-776-4671 to get started.
Group homes care for some of the most vulnerable people in their communities, and that responsibility creates exposures a standard business policy was never designed to cover. Resident injuries, allegations of abuse or neglect, staff injuries, and transport accidents are real risks, and the consequences of an uninsured claim can be severe, both financially and for the residents who depend on you. The right program lets you focus on care, knowing you are protected if something goes wrong.
Group Homes We Insure
Group home is not one risk class. We match the program to the residents you serve.
Coverage We Provide
A complete program for residential care operations.
General Liability
Covers third-party bodily injury and property damage, including resident and visitor slip-and-fall claims on your premises.
Learn more →Abuse & Molestation
The defining exposure for group homes. Standard policies exclude or sublimit it, so it needs a dedicated, adequate limit, especially in youth and disability care.
Learn more →Professional Liability
Covers claims of negligence or improper care in the supervision and services your staff provide to residents.
Learn more →Commercial Property
Protects the home, its contents, and equipment from fire, storms, theft, and vandalism so you can recover quickly.
Learn more →Workers Compensation
Covers medical care and lost wages when staff are injured supporting residents, and keeps you compliant with state law.
Learn more →Commercial & Non-Owned Auto
Covers vehicles used to transport residents to appointments and activities, including staff using personal cars for the home.
Learn more →Directors & Officers
For nonprofit-operated homes, protects board members and leadership against claims tied to their management decisions.
Learn more →How Much Does Group Home Insurance Cost?
There is no single price for group home insurance, because the risk depends heavily on who you serve and how you operate. Rather than a one-size quote, we build the program around your specific exposures. The factors that move your premium most are:
- Population served — youth, behavioral health, and disability care carry higher exposure than senior residential care
- Number of residents and staff — bed count and payroll drive liability and workers compensation pricing
- Abuse and molestation limits — the single largest factor for homes serving vulnerable residents
- State and licensing — regulation and claims environments vary widely by state
- Claims history and risk controls — staff training, screening, and incident reporting earn carrier credits
Because we are independent and shop 20+ carriers, we find the markets that fit your operation and price it competitively. The fastest way to a real number is a quick conversation. Request a quote and we will build a program to fit.
What Our Clients Say
Why Choose Pro Insurance Group
Group Home Insurance FAQs
What insurance does a group home need?
A group home needs a layered program: general liability, professional liability, dedicated abuse and molestation coverage, commercial property, workers compensation, and commercial or non-owned auto for resident transport. Nonprofit-operated homes should also carry directors and officers coverage. The right limits depend on the residents you serve, your bed count, and your state.
How much does group home insurance cost?
Cost varies widely based on the population you serve, your number of residents and staff, your abuse and molestation limits, and your state. Youth, behavioral health, and disability homes generally cost more than senior residential care. Because we shop 20+ carriers, we find the markets that fit your operation and price competitively. The fastest way to a real number is a quick quote.
Do you need insurance to run a group home?
In nearly all cases, yes. Most states require licensed group homes to carry liability and workers compensation coverage, and funding agencies, landlords, and contracts typically require proof of insurance. Beyond the requirement, the exposures group homes face make adequate coverage essential to staying in operation after a claim.
Why do group homes need abuse and molestation coverage?
Group homes serve vulnerable residents, and abuse or molestation allegations, founded or not, are among the most severe claims a home can face. Standard liability policies commonly exclude these claims or apply a low sublimit, so dedicated abuse and molestation coverage with an adequate limit is essential, especially for youth and disability care.
Does Pro Insurance Group write group home coverage nationwide?
Yes. Pro Insurance Group is licensed in Illinois and 40 plus additional states and places group home and residential care programs for operators nationwide, including for-profit and nonprofit homes across a range of resident populations.
Protect Your Group Home With Confidence
Let a specialist build a program matched to the residents you serve, shopped across the specialty market.
Get A Quote Call 833-776-4671Reviewed by Neal Fusco
VP, Commercial Lines · Pro Insurance Group. Neal places residential care, senior living, HOA, and workers compensation programs for operators nationwide.