Exciting things are on the horizon

Don’t miss out, provide your contact information below.

Insurance services we provide

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.
Learn More

Business/Commercial

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

Learn More

Specialty Markets

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

Why choose Nucleus Insurance?

Savings

Customers

Support

​Now Protecting Sober Living Homes Nationwide

Specialized Insurance Designed for Recovery Residence Operators

Sober living homes do more than provide shelter — they offer hope, structure, and second chances. Our new insurance program was built to protect the mission and minimize the risks unique to sober living environments.

General Liability

Workers’ Compensation

Property Protection

Exclusive Risk Consultation

Affordable Rates & Referral Bonuses

Join our network

Join our network of recovery-focused operators taking the next step in risk protection.

Launch Special:

Early adopters may qualify for discounted premiums and priority underwriting.

Nucleus-Insurance-Commercial-Property-Insurance

"We’re not just insuring a property — we’re safeguarding a purpose."

Learn More or Get a Quote
Nucleus-Insurance-Speciality-Markets

“Insurance built for healing spaces.”

Now Covering Sober Living Homes Nationwide

Specialized Insurance Designed for Recovery Residence Operators

Sober living homes are more than just housing — they’re a lifeline for those rebuilding their lives. At Nucleus Insurance, we’re proud to launch a new insurance program tailored to the real risks and responsibilities of recovery-focused housing.

 

Coverage Includes:

General Liability

Workers’ Comp

Property Insurance

Abuse & Molestation (Optional)

Consultation-Driven Policy Matching

Flexible Payment Options

Get Early Access & Join the Movement

Be among the first to take advantage of this exclusive program.
Sign up for early access updates, program features, and referral incentives.

We’ll keep you informed — no spam, just updates that matter.

Join the Interest List

Apply for Coverage — It’s Quick & Easy

If you’re ready to protect your sober living home with reliable coverage:

We’ll walk you through everything. Risk-free, hassle-free.

Start My Application

Our Partners

Our Mission is to Protect
your Businesses,
Life and Much More.

get a quote

Simple insights

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.