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 the following areas. Commercial general liability covers bodily injury and property damage sustained by third parties, pays for medical bills, legal defense, lawsuit judgments and settlements. Alleged abuse and molestation liability protects against allegations of sexual misconduct against your staff members. Alleged assault and battery liability protects against allegations of assault and battery against your staff members; professional liability supplies coverage for claims of malpractice or negligence made against staff members when caring for the children. Employment practices liability provides liability protection regarding claims made by employees, such as harassment, wrongful termination and discrimination. Directors and officers protects directors and officers of an organization from personal loss if they are sued for actions they may take in the course of their duties. Commercial auto liability (not available in all states) covers injuries and property damage sustained by third parties resulting from accidents involving vehicles owned by the home. Commercial property coverage pays for damages to the building and its contents. Premises liability covers injuries due to accidents that occur on the property. Communicable disease coverage offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.
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.