Sober living insurance
What a sober living home actually needs to be insured for
Most sober living homes need four things working together: property and business income cover for the residence, general liability for the premises, professional liability for the guidance and oversight the operator provides, and workers’ compensation for house managers and staff. Add auto liability whenever staff drive residents. Which of them apply, and at what limits, depends on how the home is run.
The operation behind the address
A sober living home is insured well when the property, the premises, the guidance the operator provides and the people on payroll are all considered together — not bought as four unrelated policies.
01
Home and business, covered together
The right program considers the building, furnishings, loss of income and premises exposures alongside the services, supervision and day-to-day decisions involved in operating a recovery residence.
A residence can look ordinary from the street while carrying distinctly commercial risks inside.
02
Designed around how your home operates
Underwriters may consider resident count, staffing, transportation, house rules, recovery support, ownership structure and the relationship between the property owner and operating entity.
03
Avoid the residential-policy gap
A homeowners or ordinary landlord policy may exclude business activity, multiple unrelated occupants, professional services or other exposures central to sober living operations.
04
The exposure that leaves the property
When a house manager drives a resident to an appointment or a meeting, the operation’s liability travels with the vehicle. Personal auto policies commonly restrict business use, which can leave both the driver and the operation without the coverage they assumed was in place.
Frequently asked
Common questions
Is sober living insurance the same as landlord insurance?
No. A landlord policy is generally designed for a conventional tenant relationship. A sober living insurance program accounts for both residential property and the commercial operation of a recovery residence.
Can you insure the building and the operating business?
Often, yes. The appropriate structure depends on who owns the property, who operates the home and how the entities are related.
What information is needed for a quote?
Typical information includes the address, ownership structure, number of residents, years in operation, staffing, services, transportation, claims history and current insurance details.
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.