Looking for Group Home / Halfway House Insurance?
Protect your residential facility from resident injuries, abuse allegations, property damage, and professional liability claims. Harper provides insurance for group homes, halfway houses, and transitional living facilities, with fast proof for licensing, landlords, and funding agencies.
What is Group Home / Halfway House Insurance?
Group home insurance protects residential care facilities from the unique risks associated with housing, supervising, and supporting vulnerable populations. These risks include resident injuries, medication errors, abuse or neglect allegations, property damage, and professional liability claims. Coverage typically includes general liability, professional liability, abuse and molestation coverage, property insurance, and workers compensation. State licensing boards, landlords, and government or nonprofit funding agencies require proof of insurance before approving licenses, leases, or contracts.
Resident & Premises Liability
Covers bodily injury or accidents involving residents, visitors, or staff occurring within the facility or on the property.
Professional Liability
Protects against claims related to care decisions, supervision failures, medication errors, or service delivery issues.
Abuse & Molestation Coverage
Provides defense and protection against allegations of abuse, neglect, or inappropriate conduct involving residents, including claims that are later determined to be unfounded.
Property Protection
Covers buildings, furnishings, appliances, and facility assets against fire, theft, vandalism, or weather-related damage.
Workers Compensation
Covers employee injuries, medical expenses, and lost wages for caregivers, supervisors, and administrative staff.
Certificates
Fast proof of insurance for state licensing boards, landlords, grant providers, and funding agencies.
Who Needs Group Home / Halfway House Insurance?
- Group homes : Businesses requiring specialized insurance coverage
- Halfway houses : Businesses requiring specialized insurance coverage
- Transitional living facilities : Businesses requiring specialized insurance coverage
- Residential care homes : Businesses requiring specialized insurance coverage
Why Harper?
Residential Care & Transitional Housing Expertise
Harper understands the complex risk environment of group homes and halfway houses, including supervision responsibilities, medication management, and regulatory scrutiny. Coverage is designed to protect both residents and operators.
Fast Proof for Licensing & Funding
Licensing approvals, renewals, and funding often depend on timely insurance documentation. Harper delivers certificates quickly to support inspections, lease approvals, and grant compliance.
Clear, Practical Coverage Guidance
We explain general liability, professional liability, and abuse coverage in plain language so operators understand how protection applies to daily care activities.
Coverage Matched to Your Residents
Whether your facility serves mental health populations, substance recovery residents, developmental disabilities, or transitional housing programs, coverage is tailored to your care model.
Frequently Asked Questions
What insurance do group homes need?
Most group homes require general liability for resident and visitor injuries, professional liability for care-related claims, abuse and molestation coverage, property insurance for facilities, and workers compensation for employees.
Is group home insurance required?
Yes. State licensing boards require proof of liability and abuse coverage before issuing or renewing residential care licenses. Landlords and funding agencies also require insurance.
How much does group home insurance cost?
Smaller facilities typically pay $3,000–$8,000 annually. Larger or higher-risk homes serving specialized populations may pay $8,000–$20,000+ depending on resident count, staffing, and services.
Does insurance cover medication errors?
Professional liability coverage can apply to claims involving medication administration errors when established protocols, training, and documentation procedures are followed.
Does insurance cover abuse allegations?
Abuse and molestation coverage provides legal defense and protection against allegations involving residents, even when investigations determine the claims are unfounded.
Can I add property owners as additional insureds?
Yes. Lease agreements commonly require landlords to be added as additional insureds. Harper handles certificates and endorsements to meet lease requirements.