RESIDENTIAL CARE & TREATMENT
Coverage shaped around your program
We build coverage around your client population, level of care, bed count, staffing, transportation, properties, and licensing and accreditation requirements — from supervised living to clinical treatment and detox.
Nuance prevents delays and gaps
Underwriting turns on client population, clinical vs. non-clinical services, restraint and seclusion policies, elopement controls, medication management, staff screening, and incident history. We address these early.
02 / INDUSTRY EXPERIENCE
Risk factors
Population served, detox or medical services, scattered-site homes vs. a single campus, staffing model, and location.
Abuse and molestation
Securing meaningful limits, reviewing sublimits and exclusions, and aligning with state and contract requirements.
Professional liability
Counseling, clinical, and medication services — including client harm during treatment, medication errors, and failure-to-supervise allegations.
Assault and battery
Coverage for client-on-client and client-on-staff incidents, structured so it isn’t excluded where you need it most.
Property
Owned or leased homes, safety modifications, and business interruption — including the cost of relocating residents.
Transportation and staff
Client transport, hired and non-owned auto for staff driving their own vehicles, background screening, and workers’ comp for injuries from client aggression and physical holds.
Carrier relationships
Access to coverage that fits how programs operate — from a single group home to a multi-state network.
Contract review
We review state agency, county, Medicaid, payer, and landlord insurance requirements, and align policies, endorsements, and certificates before they hold up a contract renewal or a new site opening.
General liability & professional liability · Abuse and molestation · Property · Workers’ compensation · Hired and non-owned auto · Umbrella / excess · Employment practices liability · Cyber
Licensing
Licensed nationwide
Deep residential care expertise. Fast, clear support.