New Insurance Program
Sober Living Homes Insurance – Best Rate Confidence
All Inclusive Coverage Options
Errors & Omissions
NEW 2025Errors & Omissions up to $1 M
Sexual Abuse & Molestation
NEW 2025Sexual Abuse & Molestationup to $1 M
Price-Beat Promise
We beat any non-program quote or pay $250 toward renewal
General Liability
Protects your facility against claims of bodily injury or property damage from third parties.
Professional Liability (E&O)
Covers errors or omissions in the delivery of professional services.
Workers’ Compensation
Mandatory coverage that protects employees injured on the job.
Employment Practices Liability Insurance (EPLI)
Covers claims of discrimination, wrongful termination, and harassment.
Abuse & Molestation Coverage
$100K/$300K limits included at no cost (subject to underwriting).
Property Coverage
Covers buildings, contents, and equipment from damage, theft, and disasters.
Ready for a Fresh Start savings check?
Exciting Services & Products Coming Soon!
Join the Sober Homes Living Insurance Program today and be the first to access a full suite of exclusive insurance solutions plus essential support services tailored specifically for sober living homes.
We’re developing a comprehensive program that includes
Specialized insurance coverages designed to protect your business and residents
Expert risk management and consulting
Priority access to trusted, vetted service providers including handyman services, HVAC technicians, cleaning crews, and more to help keep your homes safe and well-maintained
Sign up now to stay informed and secure priority access to these valuable resources as soon as they launch. Together, we’ll safeguard your mission and support your home’s ongoing success.
Fresh Start Recovery saved $4,830 in Year 1
While adding E&O + Sexual Abuse & Molestation at no extra charge.
“Nucleus slashed our premiums—never shopping elsewhere!”
“Nucleus made it easy to get insured. They understood the needs of our sober living community and found coverage that actually fits our budget.”
“Other agencies didn’t understand what we do. Nucleus did.”
Price-Beat Promise — Guaranteed Savings or We’ll Work to Earn Your Business
At Nucleus Insurance, we’re confident we can beat your current insurance premium. Bring us a copy of your existing declarations page, and we guarantee to offer you a better price on comparable coverage — or we’ll work tirelessly to find a solution that fits your budget.
How it works
Step 1
Provide your current declarations page showing your existing coverage and premium.
Step 2
We’ll analyze your policy and deliver a competitive quote with equal or better coverage.
Step 3
If we can’t beat your current premium, we’ll discuss how to tailor your policy to get you the best possible rate.
Important
- Price beating applies only to policies with substantially similar coverage limits and terms.
- All quotes are subject to underwriting approval based on your specific risk profile.
- By submitting your declarations page, you authorize us to use this information solely for pricing comparison and quote purposes.
Don’t overpay one more day. Submit your declarations page now and put our Price-Beat Promise to the test!
Apply Today
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 Price-Beat Promise, 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.
Our Mission is to Protectyour
Businesses,Life and
Much More.
Recovery Homes Protected
Years of Insurance Expertise
%
Claim Satisfaction Rate
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