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Who insures it · 6 named markets · read 2026-10-28

Who insures Group homes and foster care agencies?

Group homes and foster care agencies is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Group homes and foster care agencies: Amwins (Human Services and Behavioral Health product), Kinsale Insurance, Beazley (Miscellaneous Medical Liability), USLI, Burns & Wilcox and others. 2 wholesalers, 2 E&S carriers, 2 admitted carriers. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Amwins (Human Services and Behavioral Health product)
Wholesaler		Exclusive human services/behavioral health product with professional and general liability, dedicated sexual abuse and molestation limits, hired/non-owned auto and umbrella/excess; eligible classes include Group Homes for the intellectually and developmentally disabled, Foster Care & Adoption (Residential OR Placement-only), adult and youth residential treatment facilities, At-Risk Youth Programs
“Group Homes for the intellectually and developmentally disabled”		not statedSurplus linesamwins.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Allied Health Division Social Services target classes include Group homes, Adoption & foster agencies, Youth residential facilities, Residential facilities for the physically & mentally disabled and Miscellaneous human service organizations.
“Adoption & foster agencies”		not statednot statedkinsaleins.com · read 2026-10-28
Beazley (Miscellaneous Medical Liability)
E&S carrier		Medical professional liability for a wide range of healthcare organizations; the 'Who we can help' list names Foster and adoption agencies alongside behavioral healthcare and therapy providers, drug and alcohol treatment facilities and daycares.
“Foster and adoption agencies”		not statednot statedbeazley.com · read 2026-10-28
USLI
Admitted carrier		Nonprofit program (D&O, general liability, property, special events/liquor) whose Residential Programs featured classes include Group homes, Halfway houses, Homeless shelters, Transitional housing and Hospices; Community/Social Services classes include Intellectually disabled programs (residential and day).
“Group homes”		not statednot statedusli.com · read 2026-10-28
Burns & Wilcox
Wholesaler		Healthcare liability placements (professional liability monoline or PL/GL package, sexual and physical abuse, hired/non-owned auto, D&O/EPLI, property, umbrella/excess) with Social Services and Facilities specialties including Group Homes – Adult or Youth, Adoption and Foster Care, Court Appointed Advocates and Transitional Care / Halfway Housing.
“Group Homes – Adult or Youth”		not statednot statedburnsandwilcox.com · read 2026-10-28
Philadelphia Insurance Companies (PHLY)
Admitted carrier		Non-Profit Human Services program for social and human service organizations, with supplemental applications for Residential Care, Adoption & Foster Care, Adult Day Care, Head Start, Youth Group Organizations and Integrated Healthcare Services/Facilities.
“Social and human service organizations in the non-profit sector turn to PHLY for the specialized protection they need.”		not statednot statedphly.com · read 2026-10-28

Prime Insurance Company has a Foster Parent Protection Plan (liability for individual foster parents, not agencies; https://www.primeis.com/product-lines/personal-lines/foster-parents/). Great American Specialty Human Services' page only links a Classes of Business PDF whose text could not be extracted; Irwin Siegel Agency, Negley Associates and NSM pages did not render or resolve (JS-only / DNS failures), so none are listed despite being known human-services programs.

How Group homes and foster care agencies gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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