Supportive & Recovery Housing Readiness
Insurance readiness for supportive and recovery housing operators
Candor helps supportive housing and recovery residence operators organize their property, occupancy, and program documentation, then connects them with a licensed insurance professional.
Office hours: Mon–Thu 9:00 AM – 5:00 PM | Fri 9:00 AM – 12:00 PM
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Recovery residences, sober living homes, and supportive and transitional housing are residential properties with a program inside them. Carriers underwrite both: the building, and how residents live there, how many people, what support is provided, and who is responsible for what.
Many standard landlord policies are not written for that use. A program model that is clearly documented, with occupancy agreements, house rules, staffing and any funder requirements, makes it easier for a licensed producer to find carriers that write this kind of housing and to set up coverage that fits.
How we help
Readiness first - placement by licensed professionals
We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.
Who we help
- Recovery residences / sober living
- Supportive housing operators
- Transitional housing programs
- Nonprofit and mission-driven housing providers
Common situations
- Coverage must reflect a specialized residential use
- Grant or funder agreements require specific insurance
- Occupancy and program model are hard to summarize for underwriting
- Renewal or new-property paperwork is scattered
Coverage
Coverages a producer commonly reviews
Every operation is different. These are the coverages typically discussed for this kind of risk; a licensed producer will recommend what fits yours.
Property
Coverage on the building and on furnishings and equipment the operator owns.
General liability
Injury and property damage claims involving residents, visitors and neighbors.
Professional liability
Claims arising from services the program provides, such as case management, peer support or recovery coaching.
Abuse and molestation
Often excluded from general liability and written separately, and often required by funders and referral partners.
Hired and non-owned auto
Covers liability when staff or volunteers drive their own or rented vehicles for program business, such as transporting residents.
Directors and officers (D&O) and employment practices
Protects a nonprofit or operator's board and management, and covers claims from employees.
Before you call
What shapes your coverage
Program model
Underwriters ask how the residence operates: NARR level or equivalent, bed count, length of stay, whether services are provided on site, staffing levels and drug-testing or medication policies. A one-page program summary answers most of it.
Landlord vs. operator
If you lease the property from someone else, the owner's policy and your operator policy have to work together. Leases usually require the operator to carry liability insurance and name the owner as additional insured.
Maryland certification
In Maryland, recovery residences that receive state funding or referrals generally must be certified through the state-approved credentialing body, the Maryland Certification of Recovery Residences (MCORR). Keep certification records in your insurance file.
Funder requirements
Grants, county contracts and referral agreements often set minimum limits, require abuse and molestation coverage, or require the funder to be named as additional insured. Bring those requirements to the first conversation.
Get Ready
Documents we help you gather
How It Works
A clear path from inquiry to coverage
Tell us about your situation
Share the basics through the short intake form.
We organize the details
We help assemble the documents a licensed professional will need.
Connect with a producer
A licensed insurance professional reviews your needs and handles placement.
Ongoing support
We help keep certificates and renewals organized over time.
Common Questions
Frequently asked questions
Can a recovery residence use a standard landlord policy?
Often not. Many landlord policies are written for conventional tenants and may exclude or limit group or program-based housing. Tell your producer exactly how the home operates so it can be written for that use.
Do sober living homes need professional liability insurance?
If the program provides services such as case management, peer support or recovery coaching, professional liability is commonly recommended and is often required by funders and referral partners.
What is abuse and molestation coverage?
Coverage for claims alleging abuse or misconduct by staff, volunteers or others. It is usually excluded from general liability and written separately, and many funders require it for programs serving vulnerable people.
Who insures the building if I lease it for my program?
Usually the owner insures the building and the operator insures its own liability and contents, naming the owner as additional insured. The lease should spell out who carries what.
What will an underwriter ask about my program?
Typically bed count, length of stay, level of support, staffing, house rules, drug-testing and medication policies, any certification, and funder or contract requirements.
Related programs
Other Candor programs
Talk It Through
Prefer to talk it through?
Speak with Candor Insurance Brokerage Inc today.