Group Home Insurance from
RPS NIPC is a specialty program built to meet the insurance needs of residential care providers that serve individuals with physical, developmental, or intellectual disabilities. Designed for both for-profit and non-profit operators, this admitted nationwide program gives agents access to broad, integrated protection for the operational and professional risks common in group home settings.
RPS NIPC has been placing Social Service Insurance since 1976 and brings deep sector expertise to this line. The Group Home Insurance program is offered on an admitted basis and is underwritten by American Alternative Insurance Corporation (AAIC), an A.M. Best A+ XV carrier.
This program is positioned for agents who need an admitted, scalable solution for single-site homes up through multi-site organizations managing multiple residences and service models.
Ideal Accounts and Appetite
This program targets residential care facilities that provide long-term or transitional housing for vulnerable populations. Typical fits include:
- Group homes serving individuals with developmental, intellectual, or physical disabilities
- Residential programs for physically impaired residents
- Transitional housing and supportive-living programs
- Small non-profit providers up to larger multi-site operators
Accounts that usually fit well: operations with trained, screened staff; structured care plans; and documented policies for medication, supervision, and incident reporting. Accounts that commonly need special consideration include facilities with high client-to-staff ratios, unlicensed programs in regulated states, or operations offering high-risk clinical services.
Coverage Highlights and Advantages
The Group Home Insurance program bundles coverages that address the full spectrum of exposures for residential care facilities:
- Professional Liability — malpractice and negligent care allegations
- General Liability — premises and third-party bodily injury
- Physical & Sexual Abuse Liability — specialist abuse coverage wording
- Automobile Liability — owned, hired and non-owned auto exposures
- Management Liability — Directors & Officers with EPLI options
- Property, Inland Marine & Crime — building, contents and theft/fidelity protection
- Excess Liability — higher limits for catastrophic incidents
Packaging these coverages through one admitted program helps reduce coverage gaps and simplifies claims coordination for your clients.
Underwriting Notes and Minimum Premiums
RPS NIPC underwriters evaluate operations with attention to clinical services, staffing, licensing, and loss control. Minimum premiums vary by account size and scope; contact the RPS underwriting team for precise quoting.
When preparing a submission, include clear information on:
- Population served and client acuity
- Number of homes and locations
- Services provided (medical, behavioral, vocational, etc.)
- Staffing levels, screening, and training practices
- Licensing, accreditation, and inspection history
- Five-year loss run history and any regulatory actions
Territories and Availability
The program is available on an admitted basis in all 50 states and 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
As a Program Administrator focused on social services, RPS NIPC offers underwriters with sector experience, responsive service, and admitted paper through a top-rated carrier. Agents benefit from:
- Specialized underwriting tailored to group home risks
- Admitted solutions that simplify placement and compliance
- Flexible packaging to address operational and management exposures
- Access to excess capacity and property/crime options for consolidated limits
Example account scenarios: You might have a small non-profit operating three group homes seeking admitted limits and abuse coverage, or a regional provider with a mix of residential and transportation exposures that needs combined GL, professional, auto, and D&O protection on admitted paper.
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 by the size, scope, and services of the facility. Contact RPS NIPC for an accurate quote based on the account details.
What types of liability are included in the coverage?
Coverage includes professional liability, general liability, abuse and molestation, auto liability, management liability (D&O with EPLI), property, crime, and excess liability.
Need help placing an account? Connect with a market specialist.