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Guaranteed Best Rates for Recovery Homes

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Insurance services we provide

Sober Living Homes

Sober Living. Secure Living.

Specialized coverage designed exclusively for sober living and recovery residences. Protect your homes, residents, and mission with tailored insurance solutions – all backed by our best-rate guarantee.

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Personal Insurance

Personal lines insurance refers to any kind of insurance that covers individuals against loss that results from death, injury, or loss of property.

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Business/Commercial

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business.

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Specialty Markets

The specialty lines are a segment of the industry where more difficult and unusual risks are written.
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Trusted Partners

Simple insights

Specialized Housing Insurance

Protecting organizations that provide safe, supportive housing and recovery services.

Sober Living Homes

Insurance solutions for sober living operators and group homes.

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Transitional Homes

Coverage for temporary and supportive housing providers.

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Recovery Residences

Insurance designed for recovery residences and rehabilitation housing.

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Frequently Asked Questions

Sober Living Homes

1. What is Sober Living Homes Insurance?

It’s specialized coverage designed to protect sober living and recovery residences from risks like property damage, liability claims, and resident-related incidents.

2. Why do Sober Living Homes need special insurance?

Standard landlord or business policies don’t cover the unique risks of sober living operations. Our program ensures you’re protected where general policies fall short.

3. Can Nucleus Insurance really lower my current premium?

Yes. Through our Guaranteed to beat your current price, we review your current policy and work to offer the best rate on equal or better coverage.

4. What types of coverage are included?

We offer general liability, property, E&O (professional liability), and abuse/molestation coverage — all tailored for sober living environments.

5. Do you work with all types of sober living facilities?

Absolutely. Whether you manage a single home or multiple recovery residences, we’ll tailor coverage to your size and needs.

Apply now for specialized coverage and keep your residents protected.

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Average approval within 48 hours.

Definition

Pays medical bills and lost wages for employees injured or sickened on the job.

Why It’s Essential

Required by law in most states. Protects your staff from work-related injuries and shields your business from costly employee lawsuits.

Definition

Covers claims like wrongful termination, discrimination, harassment, or retaliation.

Why It’s Essential

Even small teams can face HR issues. EPLI ensures you’re protected against claims by current or former staff and covers legal costs.

Definition

Covers damage to your building, equipment, and furnishings from fire, theft, storms, and more. May include loss-of-income coverage.

Why It’s Essential

Your facility is your lifeline. Property insurance helps you repair, replace, and keep operating after a disaster.

Definition

Covers liability and damage involving business-owned or employee-used vehicles.

Why It’s Essential

Whether you own a van or staff use personal cars to drive residents, accidents happen. This policy ensures your business is covered no matter who’s driving.

Definition

Covers breach response costs, legal defense, and regulatory fines related to data hacks and cyber attacks.

Why It’s Essential

You store private information about residents and staff. This policy protects your finances and your reputation if that data is ever compromised.

Definition

Adds extra coverage above your existing liability policies.

Why It’s Essential

A major lawsuit can exceed your standard policy limits. Umbrella coverage steps in to cover the rest—protecting your assets and business continuity.

Definition

A broader policy covering claims of physical, emotional, or verbal abuse—not just sexual misconduct.

Why It’s Essential

Residents may misinterpret disciplinary actions or house rules. This policy defends you against claims and keeps your business financially protected.

Definition

Covers legal costs and settlements if someone is accused of sexual abuse or inappropriate behavior within your operations.

Why It’s Essential

Even an unfounded accusation can destroy your reputation. This coverage is mandatory in many programs and protects your business against one of the most serious liabilities you can face.

Definition

Also called E&O, this protects against claims of negligence, mistakes, or failure to perform professional duties. It pays legal fees and any damages awarded.

Why It’s Essential

If a resident relapses or gets hurt, their family could accuse you of failing to supervise properly. E&O protects you from these high-stakes claims not covered under general liability.

Definition

Protects your sober living home from claims of bodily injury, property damage, and advertising injury caused to third parties. Covers medical expenses, legal defense, and settlements.

Why It’s Essential

Residents, families, and service providers are constantly coming and going. A single visitor slipping on your stairs can lead to major legal expenses. This policy is often required for certification and provides a critical safety net.