Group homes are small, residential facilities located within a community and designed to serve children or adults with chronic disabilities. These homes usually have six or fewer occupants and are staffed 24 hours a day by trained caregivers. Most group homes are standard, single-family houses, purchased by group home administrators and adapted to meet the needs of the residents. Except for any adaptive features such as wheelchair ramps, group homes are virtually indistinguishable from other homes in the surrounding neighborhood. Colonial General has the coverage’s you need for your group home risks, contact us today for more information!

Coverages for group homes include but are not limited to:

• Separate or combined CGL and PL limits
• Occurrence form General Liability
• Defense cost can be either inside or in addition to the policy limits
• Punitive damages coverage
• $2K - $4K minimum premium range depending on policy limits
• Incident sensitive coverage with discovery clause
• Primary coverage for all employed MDs and psychologists available
• Non-owned auto available for risks that do not transport clients