Not every child comes from a secure home with two loving parents to support them. Some kids fall into the category of “youth at risk,” which means they face extreme threats while attempting to make the difficult transition to adulthood. Several factors may contribute to these circumstances, such as poverty, family dysfunction, abuse, neglect or a variety of adverse childhood experiences. Many of these children end up in a group home, a residential setting where they can receive the supervision and support they desperately need.
If you operate a group home, you undoubtedly understand the liability risks associated with working with troubled kids. Carrying the right amount of youth-at-risk insurance is essential for minimizing your exposure when violent attacks or allegations of abuse or negligence occur. However, group home liability insurance can be hard to come by, as many carriers tend to stay away from this type of risk.
XINSURANCE is a full-service liability insurance partner that has the expertise and resources to take on the most specialty commercial liability risks — like group home coverage. We provide solutions for individuals and businesses that can’t find it elsewhere, or that have been canceled or non-renewed by their current carrier. You’ll have true peace of mind knowing your assets are protected when an incident occurs.
Group home liability insurance can cover the full gamut of risks that youth-at-risk homes face. We’ll work with you to develop a customized plan that encompasses some or all of these areas:
Depending on your needs, we can offer policies with liability limits of up to $10 million, or up to $20 million through our reinsurance partners. We do not provide workers’ comp.
Your youth-at-risk insurance coverage protects your organization in situations like the following:
XINSURANCE offers complete support with every liability insurance policy we sell. You’ll have access to risk management services to help you identify your most likely loss exposures and implement steps to minimize their potential financial impact. With our all-in-one coverage protecting you from the exposures you face every day, you can serve the youth in your group home with true peace of mind.
We also operate a 24/7 claims hotline, ensuring we’ll be there to respond in your time of need. If you have an existing group home insurance plan, we’ll review it to check for gaps and exclusions that could leave you without coverage in some situations.
We’ve removed the hassles from applying for liability insurance. To get started, fill out and submit our convenient online application form. Our underwriting team will review the app and contact you by phone to obtain additional information and discuss the risk in more detail. After the call, we’ll send you a no-obligation quote. If you choose to move forward, your new policy will be issued upon receipt of the initial premium. The entire process can take as little as 24 hours, ensuring you’ll get the coverage you need quickly.
Please contact us to get your free group home insurance quote today.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
Sign up for our newsletter and stay up to date with the latest news about policy coverage in your industry. Plus get tips on how to protect yourself before bad things happen!