A foster family agency carries two layers of exposure: your own professional decisions, and the households you place children into. Both need to be covered.
A claim can allege that the placement itself was negligent. That is a professional liability claim against the agency, distinct from anything that happens in the home.
Foster parents carry their own exposure, and a standard homeowner’s policy typically does not address foster care. Foster parent professional liability fills that gap.
Abuse and molestation coverage applies to the agency as well as the household, and it is excluded from most standard liability policies.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
