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What You Need to Know about Insurance for Youth Group Homes

Managing a youth group home is an admirable career path. You are doing your part to improve the lives of young people who are most in need. However, there can be potential risks involved in this type of group home, so it is important that you protect yourself with adequate insurance coverage. The agents at Southern Colorado Insurance Center are experts in the insurance industry and can help ensure that your policy includes the correct components.

Property Coverage 

As with any other business, you'll need to protect the general structure of your facility. This aspect of your coverage will help cover any damage to your property due to storms, fires, break-ins and other occurrences. Any settlement you receive from your insurance company will go towards the necessary repairs your facility requires, including rebuilding as necessary. 

Liability Coverage 

You'll also need to have liability coverage in place to protect yourself if anyone is injured while on the property. This can include the residents of your youth group home, as well as visiting guests, temporary maintenance workers and even door-to-door salespeople. If someone slips and falls or sustains some other kind of injury while on your property, this coverage will go towards their medical bills. 

Workers' Compensation Coverage 

Even if your organization operates as a non-profit, you'll likely still have some staff members on your payroll. If any of these employees are injured in the course of their duties, your workers' compensation coverage will assist with their medical expenses and time off work. 

Crime, Abuse and Molestation Coverage 

When you manage a youth group home, there is always the possibility that some of your residents will be troubled, which can lead to complications with other residents. Crime, abuse and molestation coverage will help to protect you in the event that something horrible happens to one of your residents while under your care. 

Umbrella Coverage 

Umbrella coverage is a general term for insurance protection against anything not covered under the previous categories. This coverage can also come into play if your coverage is insufficient in a particular area, and you need additional financial protection. 

Customize Your Youth Group Home Insurance 

Every youth group home is different, so there is no one-size-fits-all insurance policy. At Southern Colorado Insurance Center, we'll work closely with you to identify your specific needs and match you with an insurance company that can provide a policy tailored to those needs. Call us at 719-329-4441 to learn more about your available options.