Young woman giving advice to a young man

Group Home

Group homes can house many individuals from those recovering from substance abuse to those living with mental health and developmental disabilities.

Alyssa Zacckey headshot

Email Alyssa Zacckey →
Assistant Vice President,
Human and Social Service Product Leader,
New Business Team Leader
877-977-4474, ext. 7023

Insurance policy highlights can include:

  • Defense outside limits
  • Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
  • Industry leading broadening forms
  • Broad definition of who is an insured
  • Underwriting expertise with limited customer distribution
  • Ability to provide admitted and non-admitted terms
  • Coverage can be written claims-made or occurrence
  • Risk management services
  • Separate limits for general liability, professional liability and abuse and molestation
  • In-house claims experts
Coverages can include:
  • Professional liability
  • General liability
  • Abuse and molestation
  • Directors and officers
  • Employment practices liability
Additional coverages available:
  • Auto
  • Cyber liability
  • Employment benefits liability
  • Property
  • Umbrella 


Claim Examples

Professional Liability

Negligent professional services are rendered to a patient of a group home. The patient sues for pain and suffering due to the negligent professional advice.

General Liability

A client slips and falls when walking into the foyer of a group home. The client breaks his arm and sues the organization.

Abuse and Molestation

A man who is volunteering for a group home receives consent to take a girl he is mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues the organization, and the abuse and molestation coverage responds for bodily injury and mental duress.

Directors and Officers

A donor made a large contribution to a local group home requesting that the money be used to enhance the building’s facilities. The board instead votes to use the money to buy a new car for the director. The donor files suit alleging misappropriation of funds.

Employment Practices

A volunteer at a group home receives numerous sexual advances from a staff member. The volunteer sues the organization, and the employment practices liability policy responds for sexual harassment.

Hired and Non-owned Auto

Holly is a staff member working for a group home that provides mentoring. While Holly is driving a volunteer for a visit to the supply office she fails to yield at a stop sign and strikes another vehicle. The volunteer sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claim amount will ultimately exceed Holly’s personal auto limits, and a secondary claim is made against the hired and non-owned policy of the nonprofit organization.


A fire breaks out as a result of cooking in the common kitchen area of a group home, which results in extensive smoke and heat damage to both the building and its contents, and forces the group home administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.