Operator resources
Clear insurance guidance for a complicated niche.
Practical explanations to help sober living owners and operators understand coverage, prepare for underwriting and manage risk.
Practical guidance for real operations
Knowledge before the application
Better information leads to better underwriting conversations. These resources explain what insurers look for and why the details matter.
Coverage guide
Why residential insurance can fall short
Understand the difference between insuring a family rental and a residence operated as a sober living business.
Operator checklist
Information to gather before requesting a quote
Property details, resident capacity, staffing, services, transportation, claims and current coverage.
Coverage explainer
When professional liability becomes important
Learn how structure, advice, oversight and recovery-oriented support can create professional exposure.
Property planning
Protecting income after a covered loss
A property claim can interrupt occupancy and revenue. See how business income and extra expense coverage may respond.
Staffing guide
House managers and workers’ compensation
Review how live-in managers, employees and contractors may affect payroll and coverage classifications.
Risk management
Ten operational concerns and how to address them
A walk through the exposures operators run into most often, from coverage gaps to compliance and transitions.
Transportation
Who is insured when staff drive residents
Personal auto policies commonly exclude business use. See how hired and non-owned auto coverage addresses the gap.
Liability prevention
A checklist for reducing claim exposure
Practical steps around documentation, maintenance, house procedures and incident response that strengthen the operation.
Coverage explainer
Everyday premises and general liability
How shared spaces, visitors and daily activity create premises exposures that differ from a conventional rental.
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.