Insurance for Group Homes & Residential Care Facilities
Group homes provide residential care and support services for individuals with intellectual and developmental disabilities, mental health conditions, and other special needs. These facilities operate in community settings with small staff-to-resident ratios, creating unique liability exposures around resident safety, abuse and neglect, and the challenges of providing 24-hour care in a home environment. Grandbay places programs specifically designed for group home operators, from single-home providers to large multi-site organizations.
Purpose-Built Programs for Group Homes
Group homes provide residential care and support services for individuals with intellectual and developmental disabilities, mental health conditions, and other special needs. These facilities operate in community settings with small staff-to-resident ratios, creating unique liability exposures around resident safety, abuse and neglect, and the challenges of providing 24-hour care in a home environment. Grandbay places programs specifically designed for group home operators, from single-home providers to large multi-site organizations.
What We Cover
Professional Liability
Coverage for claims arising from the care and supervision of group home residents, including medication errors, falls, and failure to prevent self-harm.
General Liability
Premises coverage for resident and visitor injuries at group home locations, including property damage caused by residents.
Abuse & Molestation
Critical coverage for allegations of resident abuse, neglect, and exploitation by staff or other residents — the most significant liability exposure for group homes.
Workers Compensation
Coverage for group home staff injured by residents, including assault, patient handling injuries, and workplace violence.
Commercial Auto / Non-Owned Auto
Coverage for transporting residents to appointments, day programs, and community activities in agency and staff vehicles.
Property
Coverage for the group home structure, furnishings, and resident property against fire, theft, and vandalism.
Key Exposures We Address
Group Homes operations carry distinct risks that require specialized coverage strategies. Our team identifies and mitigates the exposures most likely to impact your business.
Ready to Protect Your Group Homes Operation?
Our specialists are ready to design a program tailored specifically to your operations, exposures, and growth objectives.