Industries · California
Insurance for California human services organizations
An independent California brokerage for organizations that care for vulnerable people — group homes and STRTPs, behavioral health, daycares, and foster family agencies. The coverage that defines this niche, abuse & molestation liability, is the one standard markets handle worst.
Why this niche is structurally hard
Human services insurance is hard for reasons no operator can manage away — which is why the placement strategy matters.
The exposure
The people you serve are the people insurance underwriters worry about most — and abuse & molestation liability is the line standard markets handle worst.
The tail
Claims can surface years after the events. That makes the claims-made vs occurrence question, retroactive dates, and prior acts wording decisive.
The market
The market for this class shrinks in every hard cycle. Organizations doing essential, state-licensed work routinely find themselves with one quote — or none.
Coverage & guides
What we place for human services
Abuse & molestation coverage
The coverage that defines this niche: what it does, claims-made vs occurrence, and the wording to check before you renew.
Group home & STRTP insurance
What residential programs need, what underwriters ask, and how licensing and coverage fit together.
Group home insurance cost
The documented 2026 ranges, why renewals jumped 30–50% with no claims, and which levers are actually negotiable.
Daycare insurance in California
Coverage for family child care homes and child care centers — and what California law says about insurance and notification.
The FFA insurance crisis
What's verified about the foster family agency liability market — CDI's notice, AB 2496, state support — and what to do at renewal.
Common questions
What is abuse & molestation coverage?
Abuse & molestation coverage responds to claims alleging abuse of the people in an organization's care — the defining exposure for group homes, behavioral health programs, daycares, and foster family agencies. Standard liability policies often exclude or sharply limit it, so the wording deserves more attention than any other line on the policy.
Why is insurance hard to find for group homes and care organizations?
The people you serve are the people underwriters worry about most, claims can surface years after the events, and the market for this class shrinks in every hard cycle. Organizations doing essential, state-licensed work routinely end up with one quote — or none. Specialty and surplus lines markets are usually the answer.
What's happening with foster family agency insurance in California?
Foster family agencies in California have faced a difficult liability market. The California Department of Insurance has issued a notice on the topic and the Legislature passed AB 2496. Our foster family agency page tracks what is verified — and what FFA operators should review at renewal.
Related: Loss runs explained · Hard-to-place risks explained · Insurance glossary
Tell us about your organization
One message is enough to start: what you do, who licenses you, and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.
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