Ideal Accounts and Appetite
This program is tailored for residential care facilities that provide long-term or transitional housing for vulnerable populations. Eligible risks may include:
- Group homes serving individuals with developmental or intellectual disabilities
- Facilities for physically impaired residents
- Transitional housing programs
- Non-profit and for-profit operations
Whether your client is a small non-profit managing a few homes or a larger organization with multiple residential facilities, this program is designed to accommodate a wide range of operations and service models.
Coverage Highlights and Advantages
The Group Home Insurance program offers robust coverage designed to address the unique exposures faced by residential care facilities:
- Professional Liability
- General Liability
- Physical and Sexual Abuse Liability
- Automobile Liability – Owned, Hired, and Non-Owned
- Management Liability – Includes Directors & Officers (D&O) with EPLI
- Property, Inland Marine, and Crime
- Excess Liability
These coverages help protect your clients from operational, legal, and reputational risks common in group home settings.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of the operation. The underwriting team at RPS NIPC brings deep experience in the social services sector and evaluates each submission carefully to tailor coverage to the risk.
To help streamline the process, submissions should include detailed information about the facility’s population served, number of homes, services offered, and any prior claims history.
Territories and Availability
This program is available on an admitted basis in all 50 states plus Washington, DC:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why Work With RPS NIPC
RPS NIPC brings over 45 years of expertise in social services insurance. As a specialized Program Administrator, RPS NIPC understands the nuanced risks associated with group homes and offers agents and brokers a reliable, nationwide solution through a top-rated carrier.
You can expect responsive underwriting, flexible solutions, and a program that grows alongside your clients’ evolving needs.
To learn more about Group Home Insurance and other RPS NIPC Specialty Programs, please visit our website.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include group homes serving residents with physical or developmental disabilities, transitional housing programs, and both non-profit and for-profit residential care facilities.
Is the program admitted in all states?
Yes, the Group Home Insurance program is available on an admitted basis in all 50 states and Washington, DC.
What carrier underwrites this program?
The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+ XV by A.M. Best.
What is the minimum premium for this program?
Minimum premiums vary based on the size, scope, and services of the facility. Contact RPS NIPC for a specific quote.
What types of liability are included in the coverage?
The program includes professional liability, general liability, abuse and molestation coverage, auto liability, management liability (with D&O and EPLI), property, crime, and excess liability.
Need help placing an account? Connect with a market specialist.