Specialized coverage for recovery residences
Insurance built for the business of sober living.
A sober living residence looks like a home. It operates like a business. It needs insurance designed for both.
Property · Liability · Professional · Workers’ Compensation
Home + operation
Protecting the home behind the recovery.
Multiple unrelated residents. Shared spaces. House managers. Recovery structure. Business income. These are not the exposures of a typical family rental.
The right insurance program considers the residence and the commercial operation together—without forcing a sober living home into a policy that was never designed for it.
Coverage built around how the home operates.
No generic package. We look at the property, people, services and decisions that make each operation different.
01
Commercial property and business income coverage
Property and business income insurance for sober living homes, recovery residences and their operators.
02
General liability for communal recovery housing
General and premises liability insurance for sober living homes with multiple residents, visitors, staff and daily activities.
03
Professional liability
Professional liability and errors and omissions insurance for sober living homes providing structure, guidance and recovery support.
04
Workers’ compensation
Workers’ compensation insurance for sober living operators, house managers and employees working in recovery residences.
05
Commercial auto and hired non-owned auto
Auto liability for sober living homes whose house managers and staff drive residents to appointments, meetings and work.
The important distinction
More than a rental. Not a treatment center.
Sober living sits in a distinctive space between residential housing and recovery support. Residents live together after treatment while building stability, accountability and independent living skills.
01
Communal residence
Multiple unrelated adults share a home, routines and common areas.
02
Structured support
Operators may provide house rules, peer accountability, transportation and recovery-oriented guidance.
03
Commercial exposure
Staffing, revenue, professional decisions and resident incidents create business risks.
Straightforward process
From operation details to coverage options.
01
Describe the home
Tell us about ownership, residents, staffing, services, transportation and current insurance.
02
Review the exposures
We identify the property and business risks that should be addressed.
03
Compare available options
Review coverage, limits, exclusions and pricing with a specialist.
Rated by operators
4.9
out of 5 across 76 Google reviews
This site is operated by Jump Insurance Services, California Insurance License #0L75450. Rating as of August 2026.
Frequently asked
Questions from sober living operators.
Why isn’t a homeowners or landlord policy enough?
A sober living home houses multiple unrelated residents and is operated as a recovery-oriented business. Ordinary residential policies may exclude business activity, professional services, business income and other operational exposures.
What types of coverage can a sober living home need?
Depending on the operation, coverage may include commercial property, business income, general liability, professional liability, abuse and misconduct, workers’ compensation, cyber, auto and umbrella liability.
Can you insure a leased sober living home?
Potentially. The appropriate policy depends on the lease, the property owner’s requirements, the operating entity and the property that the operator is responsible for insuring.
Does insurance pay for a resident’s stay or rent in sober living?
No, and this is the most common reason people arrive here by mistake. This agency insures the home and the business that operates it — the property, the premises, the operator’s professional exposure and the staff. Room and board in a sober living residence is generally paid privately by the resident or their family. Health insurance may cover clinical treatment, but that is a separate question, and the right people to ask are your treatment provider or the home’s operator. If you own or operate a home, you are in the right place.
No existing policy needed
Tell us how your sober living home actually operates.
Most operators who contact us are insuring a sober living home for the first time. Tell us how the home runs and we’ll come back with the coverage options and pricing available for it.