Group Homes/Human Services
The Wright Place Insurance Agency
Group Homes/ Human Services
As specialists in Human Service Insurance, we have a deep understanding of the distinct challenges and risks that organizations in human service sector encounter, such as nonprofit organizations, social service agencies, group homes, counseling centers, and community service providers. Our comprehensive insurance solutions are designed to protect your organization, staff, and clients.
Key coverages included in our Human Service Insurance:
- General Liability- Protects against claims of bodily injury or property damage arising from your operations or premises, including slip and fall accidents or allegations of negligence.
- Professional Liability (Errors and Omissions)- Coverage for claims related to professional services, such as counseling, therapy, or advice provided by your organization's employees, protecting against allegations of professional negligence or malpractice.
- Directors and Officers Liability (D&O)- Safeguards the personal assets of directors and officers in the event of claims alleging wrongful acts, errors, or omissions in their managerial duties.
- Abuse and Molestation Liability- Covers claims arising from allegations of abuse or molestation by employees, volunteers, or staff members of your organization.
- Employment Practices Liability- Protection against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.
- Property Insurance- Covers your organization's physical assets, such as buildings, equipment, furniture, and inventory, against losses from fire, theft, vandalism, or natural disasters.
- Cyber Liability- Protection against data breaches, cyberattacks, and related liabilities, safeguarding sensitive client information and covering legal expenses in case of a cyber incident.
- Business Interruption- Coverage for loss of income and ongoing expenses if your organization experiences a covered event, such as a fire or natural disaster, that temporarily disrupts your operations.
- Workers' Compensation- Required in most states, this coverage provides benefits to employees who suffer work-related injuries or illnesses, including medical expenses and lost wages.
- Non-Owned and Hired Auto Liability- Protects your organization against liability claims arising from accidents involving vehicles not owned by your organization, such as employees using personal vehicles for work-related tasks or rented vehicles.
Licensed Group Homes Insurance Requirements Checklist:
As specialists in Human Service Insurance, we have a deep understanding of the distinct challenges and risks that organizations in human service sector encounter, such as nonprofit organizations, social service agencies, group homes, counseling centers, and community service providers. Our comprehensive insurance solutions are designed to protect your organization, staff, and clients.
- Administrator’s resume with group home management experience
- License for each facility (condition of license and addendum if applicable)
- State Inspection for each facility (and Proof of Compliance if applicable)
- Resident Agreement
- No Known Loss Letter (if no previous coverage) or currently valued loss runs (claims history)
- Expiring insurance declarations page to confirm limits and retro date (if applicable)
We understand the unique challenges of the human service industry and will work closely with you to assess your needs and customize a policy that provides comprehensive protection. Contact us today to learn more about our Human Service Insurance and how we can help safeguard your organization and its mission.
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