Group Home Insurance

Group homes need liability insurance to protect against potential legal actions resulting from accidents, injuries, or other incidents where the home’s management or staff could be held liable.

In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having group home liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, group home insurance may be required.

While not always legally required, having liability insurance is critical for financial protection and is often mandated by state regulations or financing institutions.

Indeed, many policies have exclusions, including assault and battery liability, sexual harassment and molestation liability, active shooter liability, and more. However, XINSURANCE can provide coverage solutions for these exclusions. If you have an existing insurance policy, we can fill the gaps that are leaving you exposed. Contact us, and we can provide a free policy review to identify the gaps and exclusions in your policy.

Yes, we offer customized insurance solutions to ensure that your specific needs and risks are adequately addressed.

Your youth-at-risk insurance coverage can protect your organization in situations like the following:

• A visitor slips and falls on a wet spot on the floor. Your general liability insurance would pay for the medical bills and offer protection if the individual decides to sue you.
• One of the children accuses a staff member of touching her inappropriately. Abuse and molestation coverage can protect you if the child’s family seeks compensation for bodily injury, as well as punitive damages for pain and suffering.
• A director is accused of using the organization’s funds for personal purposes. This incident could be covered under directors and officers insurance.
• A counselor offers a child advice that ultimately leads to an action causing harm to that youth. Errors and omissions insurance can go into effect if the child’s family elects to file suit against the counselor and the home.

Yes, we specialize in providing solutions for group homes with a history of claims that may be considered high-risk.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

The cost of group home liability insurance depends on a variety of factors. These factors include the location, size of group home, condition of your home, the types of services offered, the number of residents, your history of claims, and more.