Property

·Blanket Property and Contents Coverage up to $35M
·Replacement Cost
·Agreed Value (with signed SOV)
·Equipment Breakdown
·$25K Earthquake & Flood*
·$15K Emergency Vacating Expense
·Client Monies & Securities included
·6% inflation guard applies to Building & Business
·Personal Property
·Special Deductible Exceptions
·Builders Risk Coverage available
·$100,000 Property in Transit

Crime

·$25K Employee Theft*
·$25K Forgery or Alteration*
·$10K Inside Premises Money & Securities
·$10K Inside Premises Robbery & Safe Burglary
·$10K Outside Premises
·Clients Property included when exposure exists

Inland Marine Form

·$100K Accounts Receivables
·$100K Valuable Papers
·Additional coverage options are available

General Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·Employee Benefits Liability (claims made) at $1M/1M Limits
with $1000 deductible
·Automatic Liquor Liability for Fund Raising Events
·Coverage for Fund Raising Events included
·Broad Additional Insured Endorsements available at no extra charge
·$10K Medical Payments*
·$250K Fire Legal Liability*
·Abuse and Molestation have separate & dedicated limits
·Abuse and Molestation coverage for employee/client/3rd party
·Aggregate per location endorsement
·Defense outside the Limits
·No binding arbitration endorsement

Professional Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·$25K punitive damage coverage (where permitted by law)
·Includes employees, volunteers, employed nurses,
psychiatrists, medical directors & administrators
·No binding arbitration endorsement

Umbrella

·Up to $25M
·Abuse and molestation if eligible
·$10K Minimum Retention (SIR)
·Employers Liability
·Contractual Liability
·Products & Completed Operations
·Auto Liability
·General Liability
·Professional Liability

Commercial Auto

·$1M Combined Single Limit Liability
·Mandatory PIP where applicable
·Employee Hired Auto
·$50 Towing Limit for Private Passenger Vehicles
·$50K Hired Auto Physical Damage Limits
·Non-Owned / Hired Auto
·Rental Reimbursement
·Employees as Insured

* Increased limits available

Our comprehensive Addiction Treatment Policy covers general and professional liability, abuse and molestation, property, auto, crime and umbrella. Examples of eligible risks are:

·Addiction Treatment Services
·Alcoholism Counseling, Non Residential (except medical treatment)
·Alcoholism Rehabilitation Centers (residential with health care incidental)
·Counseling Services
·Crisis Centers/Hotlines
·Children & Family Services
·Detoxification Centers
·Drug Rehabilitation Centers (residential with health care incidental)
·Residential Services
·Halfway Homes
·Alcohol & Substance Abuse Clinics
·Rehabilitation Centers (residential with health care incidental)
·Substance Abuse Centers (outpatient)
·Level 111.7 detox (Medically Monitored)

As the field evolves, so does our program. We stay abreast of legal, social, medical and technological changes that can affect your success. Our policies include:

·Replacement Cost
·Defense Reimbursement
·Agreed Value Property Form
·Employee Benefits Liability
·Broad Form Commercial General Liability

Applications for this program are state specific. Choose your state from the Drop Down Menu or the Map.