1.A.2.b. Insurance

Rule

Documentation that the owner/operator has current liability coverage and other insurance appropriate to the level of support.

Levels

I

II

III

IV

This rule applies to all recovery residence levels of support.

Guidance

Frequently Asked Questions:

  • What kind and how much insurance is “appropriate to the level of support”? The type of insurance a recovery residence should have is determined on a case-by-case basis and can greatly differ across levels and between providers, based on numerous variables. Insurance providers conduct risk assessments before writing a policy.

  • Do single family rental insurance and homeowner policies meet the NARR standard? Some subject matter experts have raised doubts regarding single family rental and homeowner policies being enough, especially for higher levels of support. Even lower levels of support that implicitly expect some residents or the House Manager to transport other residents to meetings or the grocery store expose themselves to a liability beyond the coverage of a homeowners policy. Ultimately, it is up to the insurance underwriter to assess the risk and establish the appropriate policy on a case by case basis. If an affiliate is concerned that the provider is under insured, they may ask for a letter from the insurance company documenting they are aware of the types of service being provided.

  • Can an Affiliate require a provider to use a specific insurance provider? No. At most, an Affiliate can share a list of insurance providers who have a history underwriting recovery residence policies along with a disclaimer that clearly states that the list is not a recommendation and that providers should get multiple estimates.

  • Can an Affiliate ethically receive a commission for recommending that a provider pay for a particular policy or use a particular insurance provider? No. However, an Affiliate can advocate for lower or discounted rates for certified providers, receive an unconditional donation from an insurance provider or accept a fee for service payment from insurance providers (e.g. booth fee at a conference or advertising space in a newsletter).

Evaluation

  • Is there documentation that confirms the recovery residence has liability coverage appropriate to the level of support?

  • Is the policy current?
  • Does the name on the policy match the organization’s name?

Evidence

  • Policy and procedure

  • Current insurance policy – Based on the services provided, it may include:

    • General liability insurance: slip, trip and fall

    • Professional liability insurance

    • Auto/transportation liability insurance

    • Other

References

Course Syllabus

Not Enrolled
1.A. Operate with Integrity
1.A.1. Use mission and vision as guides for decision making
1.A.1.a. Mission
1.A.1.b. Vision
1.A.2. Adhere to legal and ethical codes and use best business practices
1.A.2.a. Business entity
1.A.2.b. Insurance
1.A.2.c. Property permission
1.A.2.d. Legal compliance
1.A.2.e. Ethical marketing
1.A.2.f. Background checks
1.A.2.g. Paying residents
1.A.2.h. Financial boundaries
1.A.2.i. Code of Ethics
1.A.3. Financial accounting
1.A.3.a. Fee transparency
1.A.3.b. Accounting system
1.A.3.c. Refund policies
1.A.3.d. 3rd party payments
1.A.4. Data collection
1.A.4.a. Resident information
1. ADMINISTRATIVE AND OPERATIONAL
1.B. Uphold Residents’ Rights
1.B.5. Rights and Requirements
1.B.6. Resident information
1.B.6.a. Secured records
1.B.6.b. Confidentiality
1.B.6.c. Social media policy
1.C. Culture of Empowerment
1.C.7. Peer governance
1.C.7.a. Resident driven
1.C.7.b. Grievance policy
1.C.7.c. Community posts
1.C.7.d. Length of stay
1.C.7.e. Resident voice
1.C.8. Resident involvement
1.C.8.a. Reciprocal responsibility
1.C.8.b. Leadership roles
1.C.8.c. Recovery process
1.D. Develop Staff Abilities
2. PHYSICAL ENVIRONMENT
2.E. Home-like Environment
2.F. Safe Healthy Environment
Recovery Residence Certification
3. RECOVERY SUPPORT
3.G. Facilitate Recovery
3.G.20. Promote purpose
3.G.20.a. Meaningful activities
3.G.21. Recovery planning
3.G.21.a. Person-centered plan
3.G.21.b. Recovery capital
3.G.21.c. Peer roles
3.G.22. Community supports
3.G.22.a. Resource directory
3.G.22.b. Resource linkage
3.G.23. Mutual support
3.G.23.a. Weekly schedule
3.G.23.b. Mutual aid
3.G.24. Recovery support services
3.G.24.a. RSS
3.G.24.b. RSS Staff
3.G.25. Clinical services
3.G.25.a. Clinical services
3.H. Model Prosocial Behaviors
3.H.26. Respectful environment
3.H.26.a. Model recovery
3.H.26.b. Trauma informed
3.H.26.c. Resident input
3.I. Sense of Community
4. GOOD NEIGHBOR
4.J. Be a Good Neighbor
4.J.30. Responsive neighbor
4.J.30.a. Contact information
4.J.30.b. Complaint response
4.J.30.c. Neighbor interaction
4.J.31. Courtesy rules
4.J.31.a. Preemptive policies
4.J.31.b. Parking