Unlisted properties. Resident altercations. Staff injuries during restraints. Managing 4, 8, or 20 distinct homes requires a master policy structure, not a patchwork of individual property plans.
You operate Group Homes for individuals with intellectual and developmental disabilities (IDD) across Texas. You are managing shift staff, complex behavioral needs, residential property upkeep, and state compliance across multiple decentralized addresses.
Most group home programs we review have a catastrophic property or liability gap tied to unscheduled locations. As your census grows and you lease new homes, operators frequently forget to add the new address to the policy. When a fire breaks out or a resident is injured at an unlisted location, the claim is entirely denied.
The risks in HCS and ICF-IID environments require specialized coverage for both the property and the shift-care staff.
| The Exposure | Coverage That Responds | What It Protects | Financial Exposure |
|---|---|---|---|
| Unscheduled Location Exposure. A severe kitchen fire breaks out at a newly leased home. The insurer denies the $300K property claim and the liability claims because the specific address was never added to the declarations page. | Master Commercial Property & GL | Ensures blanket or accurately scheduled coverage across all active facility addresses. | $340K–$700K+ |
| Resident Altercation Liability. A resident with severe behavioral needs attacks and severely injures another resident. The family of the injured resident sues your agency for failure to protect and inadequate staffing. | Professional Liability (PL) | Defense against failure-to-protect allegations and claims regarding your behavioral intervention plans. | $250K–$500K |
| Workers' Comp Restraint Exposure. A direct care staff member suffers a severe back injury while attempting to safely restrain an escalated resident. | Workers' Compensation (Correct Class Code) | Coverage for staff injuries, preventing massive out-of-pocket medical bills and state penalties. | $40K–$80K |
| Overnight A&M Exposure. A family alleges inappropriate conduct by an awake-night staff member. Because it is a residential setting, it is a highly volatile he-said-she-said scenario. | Abuse & Molestation (A&M) with Dedicated Limits | Dedicated $1M limit for abuse allegations, which are statistically higher in residential shift-care settings. | $500K–$1M+ |
30-minute call. Walk us through your location count, your behavioral risk profiles, and your staffing model. We'll tell you exactly where your current policy breaks—and what a claim would actually cost.