Common questions about Group homes
Answering the most frequently asked questions about Group homes.
Do we need coverage for medication administration?Gravity Certs2026-08-17T22:56:46-04:00
Yes, and disclose it. Medication errors are a leading claim in residential care.
Are staff injuries a major cost?Gravity Certs2026-08-17T22:56:46-04:00
Yes. Transfer, lifting and resident behavior injuries drive workers’ compensation in this class.
Is abuse coverage included?Gravity Certs2026-08-17T22:56:45-04:00
Usually by endorsement and often sublimited. Verify it explicitly for vulnerable adult care.
Are resident-on-resident incidents covered?Gravity Certs2026-08-17T22:56:45-04:00
Professional liability may respond to failure to supervise allegations. Confirm the wording.
What drives our insurance cost?Gravity Certs2026-08-17T22:56:44-04:00
Resident acuity and staffing ratios. Both affect professional liability and workers’ compensation directly.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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