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Pays medical bills and lost wages for employees injured or sickened on the job.
Required by law in most states. Protects your staff from work-related injuries and shields your business from costly employee lawsuits.
Covers claims like wrongful termination, discrimination, harassment, or retaliation.
Even small teams can face HR issues. EPLI ensures you’re protected against claims by current or former staff and covers legal costs.
Covers damage to your building, equipment, and furnishings from fire, theft, storms, and more. May include loss-of-income coverage.
Your facility is your lifeline. Property insurance helps you repair, replace, and keep operating after a disaster.
Covers liability and damage involving business-owned or employee-used vehicles.
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.
Covers breach response costs, legal defense, and regulatory fines related to data hacks and cyber attacks.
You store private information about residents and staff. This policy protects your finances and your reputation if that data is ever compromised.
Adds extra coverage above your existing liability policies.
A major lawsuit can exceed your standard policy limits. Umbrella coverage steps in to cover the rest—protecting your assets and business continuity.
A broader policy covering claims of physical, emotional, or verbal abuse—not just sexual misconduct.
Residents may misinterpret disciplinary actions or house rules. This policy defends you against claims and keeps your business financially protected.
Covers legal costs and settlements if someone is accused of sexual abuse or inappropriate behavior within your operations.
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.
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.
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.
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.
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.