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Addiction Treatment

Addiction Counseling, Workshops, Vocational Programs and More

Our Addiction Treatment package is designed for organizations and facilities that support those striving to overcome many forms of addiction including alcohol and substance abuse. These facilities may offer a variety of services, such as counseling, workshops, and vocational programs.

Coverage Highlights

Coverage Highlights

Property

  • Blanket Property and Contents Coverage
  • Replacement Cost, Agreed Amount & Blanket Limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Special Deductible Exceptions
  • Business Income/Extra Expense
  • Extermination Expense to $5K

General Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Employee Benefits Liability (claims made)
  • Fund Raising Events including Liquor Liability
  • Broad Additional Insured included; Endorsements available at no extra charge
  • Medical Payments up to $25k available*
  • Fire Legal Liability*
  • Separate, Dedicated Abuse Limits
  • Abuse & Molestation for Employee/Client/3rd Party
  • Aggregate per Location Endorsement
  • Crisis Response**
  • Defense outside the Limits
  • No binding arbitration endorsement

Umbrella

  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • $10K Minimum Retention (SIR)
  • Employers Liability
  • Contractual Liability
  • Products & Completed Operations
  • No Binding Arbitration Endorsement

Crime

  • Employee Theft*
  • Forgery or Alteration*
  • Inside Premises Money & Securities
  • Inside Premises Robbery & Safe Burglary
  • Outside Premises
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contacts

Inland Marine Form

  • Blanket EDP coverages
  • Builder's Risk coverage available
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Punitive damage coverage (where permitted by law)
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered
  • Psychiatrist, Psychologist Coverage
  • HIPAA Coverage**

Commercial Auto

  • $1M Combined Single Limit Liability
  • Mandatory PIP where applicable
  • Employees as Insured
  • Non-Owned / Hired Auto
  • Hired Auto Physical Damage
  • Auto Loan/Lease Gap
  • $50 Towing Limit for Private Passenger Vehicles
  • Drive Other Car - Executive Officers
  • Rental Reimbursement available
  • UM/UIM Coverage

Limits available on package up to $500k. * Increased limits and additional coverage options are available. ** Available in most states.

Program Eligibility

Program Eligibility

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
  • Alcoholism Rehabilitation Centers
  • Counseling Services
  • Crisis Centers/Hotlines
  • Children & Family Services
  • Detoxification Centers
  • Drug Rehabilitation Centers
  • Residential Services
  • Halfway Homes
  • Alcohol & Substance Abuse Clinics
  • Rehabilitation Centers
  • Substance Abuse Centers (outpatient)

Submission Requirements

Submission Requirements

  • Brochure or Website
  • Application (ISA will work off another carrier's application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Drivers list

Additional Requirements for Start-Ups:

  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 3-5 years experience)
  • Business Plan

Applications

Applications

Applications for this program are state specific. Please download the required applications for the states listed above and then complete the appropriate package supplements. The Sexual Abuse Supplement should be included.

AR, CA, CO, CT, IA, IL, IN, LA, MA, MD, MI, MN, MO, MS, ND, NE, NJ, NM, NY, OH, OK, SC, TN, TX, UT, WA, WI
Required Applications: Package Supplements:
AL, AZ, DE, FL, GA, ID, KS, KY, ME, MT, NC, NH, NV, OR, PA, SD, WY
Required Applications: Package Supplements:

Enhancements

Enhancements

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