Group homes are private homes or structures where a group of
unrelated people live in a common setting. These types of homes commonly house
homeless or neglected children, disabled individuals and recovering addicts,
depending on the circumstances. Residents of each group home all share the
common areas and maintain the residence with the help of a supervisor. Most
group homes provide counseling programs and give emotional support. These homes
may be the only thing the residents have. They consider them their home,
sometimes they may even refer to them as their “life savers” because these
homes may help them get back on their feet.
Most group homes are organized and operated on a nonprofit
basis and don’t always have the enough funds to cover certain incidents that
may occur. That is why it is crucial for your client to have complete coverage
for their home. Colonial General has the coverage’s you need for your group
home risks. We offer this program in the Western Region (AZ, CA, CO, ID, NM,
NV, UT & WY). We cover the following:
• Separate or combined CGL and PL limits
• Occurrence form General Liability
• Defense cost can be either inside or in addition to the
policy limits
• Punitive damages coverage
• $2K - $4K minimum premium range depending on policy limits
• Incident sensitive coverage with discovery clause
• Primary coverage for all employed MDs and psychologists
available
• Non-owned auto available for risks that do not transport
clients
Please visit our Group Home Insurance storefront on
CompleteMarkets. Or call us at 855-980-7480 for more information. We look
forward to hearing from you!