Residents and services
Align liability discussions with resident needs, supervision, permitted services, activities, and care delivered by employees or contractors.
Coverage for residential care organizations
Senior Living and Group Home Insurance
Senior living communities and group homes combine residential property, resident services, supervision, staffing, transportation, and continuous operations. GLG helps operators evaluate commercial coverage around the licensed services they provide and the people, property, and responsibilities involved.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Property and continuity
Review buildings, contents, life-safety systems, equipment, business income, extra expense, and emergency planning.
Staff and transportation
Consider workers’ compensation, employment practices, commercial auto, hired and non-owned auto, and driver controls.
Residential operations carriers may evaluate
The terms senior living and group home can describe operations with very different licenses, populations, staffing, and services. Each legal entity, location, and program should be represented accurately.
- Independent and supportive senior living communities
- Residential care facilities and board-and-care homes
- Group homes and community living programs
- Memory care and assisted living operations
- Multi-location residential service organizations
- Facilities coordinating third-party clinical or transportation services
Coverage considerations for residential care
A coordinated program may combine multiple policies and endorsements.
- Professional liability and commercial general liability
- Property, equipment breakdown, business income, and ordinance or law coverage
- Workers’ compensation and employment practices liability
- Cyber liability and privacy-event response
- Commercial auto and hired and non-owned auto
- Crime, abuse or molestation coverage, and umbrella or excess liability when available and appropriate
Operational details matter
Underwriters may review licenses, resident population, capacity and census, staffing ratios, services, medication assistance, transportation, life-safety systems, emergency plans, background screening, contracts, prior insurance, and loss experience.
Common questions
Senior Living and Group Home Insurance FAQ
Is group home insurance the same as assisted living insurance?
Not necessarily. Licensing, resident needs, staffing, services, building use, and regulatory requirements can differ, even when some coverage categories overlap.
Can one policy cover several group home locations?
It may be possible, but all entities, locations, buildings, services, vehicles, and resident populations should be disclosed and confirmed.
What liability coverage should senior living operators consider?
Operators commonly evaluate professional liability, general liability, employment practices, cyber, auto, and umbrella or excess liability, subject to their specific operation and available markets.
Talk through your options