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Charity First Insurance Services Inc
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Charity First Insurance Services Inc
Contact Us
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Residential Programs Insurance

Residential Programs Insurance from Charity First

Charity First specializes in placing insurance for nonprofit residential programs. As a nationwide program manager focused on the nonprofit sector, we underwrite the unique risks that come with providing housing and supportive services. Our Residential Programs Insurance package pairs flexible coverages with A.M. Best "A" rated carriers and responsive claims and billing support so your clients can focus on their missions. Whether the account is a small transitional housing project or a multi-site group home operation, our program is designed to adapt to different sizes and service models while addressing exposures common to residential care settings.

Ideal Accounts and Appetite

We target well-managed, mission-driven nonprofit organizations that provide housing plus supportive services. Typical accounts include:
  • Group homes for adults with developmental disabilities
  • Transitional housing for individuals recovering from addiction
  • Residential shelters for at-risk youth or survivors of domestic violence
  • Faith-based housing and supportive living programs
We prefer facilities that are properly licensed, maintain clear policies and procedures, and prioritize staff training and client safety. High-risk operations (for example, unlicensed facilities, programs with violent behavioral exposures, or operations lacking adequate supervision) may be outside the appetite — submit details so underwriters can evaluate exceptions.

Coverage Highlights and Advantages

Charity First offers a broad set of coverages commonly requested by residential programs, including:
  • General Liability and Professional Liability
  • Property coverage for buildings and contents
  • Abuse and Molestation coverage
  • Directors & Officers liability
  • Auto coverage, including Hired & Non-Owned Auto
  • Workers' Compensation (available in most states)
  • Umbrella and Excess Liability
Beyond limits and forms, our program gives you access to risk management tools and a library of safety materials to help reduce claims frequency and improve operations.

Underwriting Notes and Minimum Premiums

Underwriters review each submission on its merits. Key items to include with a submission:
  • Detailed description of services provided and any behavioral health or medical supports
  • Licensing, accreditation, and local/state compliance information
  • Staff-to-client ratios, staff training and background check procedures
  • Claims history and prior loss details
Minimum premiums vary by state, program size, and services offered. Complete submissions with the items above help speed placement and yield more accurate terms.

Territories and Availability

This program is available in most states and is offered on an admitted basis in most of those states. Primary territories include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. If you have a multi-state account, include a schedule of locations with your submission.

Why Work With Charity First?

Charity First brings decades of experience serving nonprofit clients and works exclusively with top-rated carriers experienced in this niche. Our underwriters understand the day-to-day exposures of residential programs and offer flexibility to place complex or multi-site accounts. We also provide responsive service, a commitment to timely underwriting decisions, and access to risk management resources that help your clients operate more safely. Example scenarios that typically fit the program:
  • A small nonprofit operating three licensed group homes for adults with developmental disabilities seeking General Liability, Property, and D&O.
  • A faith-based transitional housing provider running a single-site shelter looking for a combined package including Abuse & Molestation coverage and Hired & Non-Owned Auto.
Partner with Charity First when you need specialized underwriting for nonprofit residential operators and access to admitted paper in most states.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts include nonprofit organizations operating group homes, transitional housing, shelters, and other residential programs that offer social services or support to vulnerable populations.

Is this program admitted or non-admitted?

This program is available on an admitted basis in most states, providing regulated and dependable coverage options.

What types of coverage are included?

Coverage options may include General Liability, Professional Liability, Property, Abuse and Molestation, Directors & Officers, Auto, Workers' Compensation, and Umbrella coverage.

Are there any specific underwriting requirements?

Yes. We typically request information on licensing, services provided, staff-to-client ratios, training and background check procedures, and prior claims history. Complete submissions help expedite underwriting.

In which states is this program available?

The program is available in most states, including CA, TX, NY, FL, IL, PA, WA and many others. Admitted paper is offered in the majority of those states.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Carriers:

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CONTACT INFORMATION

LOCATION

One Market, Spear Tower, 200
San Francisco, CA 94105
800-352-2761
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Charity First Insurance Services Inc has other insurance programs like Arts, Civic & Social Clubs/Organizations Insurance.