insurance for host homes

Host Homes insurance

Please fill out the form below for a quote on liability insurance for Host Homes

Quick Quote for Liability Insurance

why do host homes need insurance?

As a manager or owner of a host home, you’re well aware of the unique challenges your service entails. Here’s an overview of these challenges and why understanding them is crucial for the effective operation and protection of your host home:

  1. Regulatory Compliance: Your host home must comply with a myriad of local, state, and federal regulations related to licensing, safety, and care standards. Navigating these regulations can be complex, but it’s essential for maintaining legal compliance and providing safe, high-quality care.
  2. Liability Risks: The nature of the care you provide exposes you to potential liability risks. These can include claims of abuse, neglect, improper supervision, and accidents or injuries occurring on your premises. It’s crucial to be prepared for these possibilities and have measures in place to address them if they arise.
  3. Staffing Issues: Hiring and retaining qualified staff is a significant challenge. Ensuring that your staff are well-trained and supported is key to providing excellent care and maintaining a positive work environment, which can also help mitigate risks related to employment practices.
  4. Property Risks: Your physical assets, including the home itself and any specialized equipment or furnishings, are vital to your operation. Protecting these assets from damage or loss due to events like fire, theft, or natural disasters is essential for the continuity of your services.
  5. Privacy and Data Security: Handling residents’ personal and medical information comes with the responsibility of maintaining their privacy and security. This is crucial not only for compliance with privacy laws but also for maintaining the trust of those in your care and their families.
  6. Transportation Risks: If your host home provides transportation services for residents, this adds an additional layer of responsibility and risk. Ensuring that vehicles are safe and drivers are properly trained and insured is vital for the safety of your residents and the protection of your service.

Understanding and addressing these challenges is key to running a successful host home. By being aware of these issues and taking steps to manage them effectively, you can provide a safe, nurturing environment for the individuals in your care while also protecting your business.

Fill out the form for a no-obligation quick quote on insurance for your host home now


what types of insurance do host homes need?

General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects organizations against claims related to malpractice, negligence, or injury resulting from resident care. Staff members are typically covered by this insurance.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your host home organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for host homes.

Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect host homes and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers your organization against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online systems as part of this policy package.

Contact Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for this particular group. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.