Need insurance for a nonprofit or for-profit group home? Gateway Specialty Insurance offers a comprehensive program designed specifically for group home exposures. We work with several "A" or better rated carriers to deliver flexible and responsive package and monoline solutions for social service providers.
Overview of the Program From Gateway Specialty Insurance
Gateway Specialty Insurance is a wholesale broker that specializes in hard-to-place and niche markets. Our Group Home Insurance Program is designed to meet the unique liability and property risks faced by organizations operating residential facilities. Whether your client is running a nonprofit group home for at-risk youth or a for-profit transitional living center, we can help you access quality coverage options backed by top-rated carriers like USLI, CapSpecialty, Alliance of Nonprofits for Insurance, and Markel.
Ideal Accounts and Appetite
We write insurance for a wide variety of group home operations, including:
- Nonprofit group homes for children, adolescents, and adults
- Transitional housing and halfway homes
- Residential mental health or behavioral health treatment centers
- Sober living and recovery homes
Accounts with a social services component or facilities supporting vulnerable populations are particularly well-suited for our markets. If you're unsure whether a specific operation fits, our underwriting team is happy to review and advise.
Coverage Highlights and Advantages
We offer both package and monoline options, including the following key coverages:
- Directors & Officers (D&O) Liability
- Employment Practices Liability (EPLI)
- General Liability
- Social Services Professional Liability
- Property Coverage
- Abuse and Molestation Coverage
- Commercial Auto
We understand the regulatory and reputational challenges group homes face. Our program provides access to tailored policies that help your clients protect their people, property, and mission.
Underwriting Notes and Minimum Premiums
Our program is easy to access with no production commitments or contracts required. We accept applications via ACORD forms or carrier-specific apps. Minimum premiums start at $735, making this an accessible option for small to midsize operations.
We offer both agency bill and direct bill options depending on the carrier. Our team provides expert account management to help you get quotes quickly and efficiently.
Territories and Availability
This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY.
Most markets are admitted, offering added peace of mind for insureds and compliance-friendly options for agents.
Why Work With Gateway Specialty Insurance?
Gateway Specialty Insurance is a trusted wholesale partner for agencies working with nonprofit, healthcare, and human services clients. We make it easy to quote and bind coverage through our broad market access, low minimum premiums, and responsive service. Our deep experience in social service risks ensures you’re getting the guidance and support you need to place business confidently.
To obtain a quote, email submissions or ACORDs to [email protected] or reach out to Anthony Vellutato at 877-977-4474 ext. 7044 or [email protected] with questions.