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Behavioral/Mental Healthcare

Exclusive Program for Psychiatric and Mental Health Service Providers

Our Behavioral and Mental health program is an exclusive program designed for organizations that provide psychiatric and mental health counseling through residential and outpatient treatment programs. These programs assist people in need of behavioral health services while focusing on recovery as the ultimate objective.

Coverage Highlights

Coverage Highlights

Property

  • Replacement Cost, agreed amount and blanket limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Room Reserve
  • Extermination Expense
  • Client Monies & Securities included
  • 6% inflation guard applies to Building & Business
  • Special Deductible Exceptions
  • Builders Risk available
  • Business Income / Extra Expense

General Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Employee Benefits Liability (claims made) at $1M/1M Limits
  • Fund Raising events including Liquor Liability
  • Broad Additional Insured Endorsements available at no extra charge
  • Medical Payments*
  • Fire Legal Liability*
  • Aggregate per location endorsement
  • Defense outside the limits
  • No binding arbitration endorsement
  • HIPAA coverage (available in most states)

Umbrella

  • Up to $25M
  • Broad coverage over GL, PL Abuse & Auto
  • $10K Minimum Retention (SIR)
  • Employers Liability
  • Contractual Liability
  • Products & Completed Operations
  • Auto Liability
  • General Liability

Crime

  • Employee Theft*
  • Forgery or Alteration*
  • Inside Premises Money & Securities
  • Inside Premises Robbery & Safe Burglary
  • Outside Premises
  • Clients Property included
  • ERISA available

Inland Marine Form

  • Accounts Receivables
  • Valuable Papers
  • Scheduled Equipment
  • Electronic Data Processing Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M/3M Limits standard*
  • Punitive damage (where permitted by law)
  • Includes employees, volunteers, employed nurses, psychiatrists, medical directors & administrators
  • No binding arbitration endorsement
  • Separate, dedicated abuse limits
  • Abuse and Molestation coverage for employee/client/3rd party
  • $50K Licensing Board Defense

Commercial Auto

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

* Increased limits available

Program Eligibility

Program Eligibility

Our comprehensive Behavioral Health Policy covers general and professional liability, property, auto, crime and umbrella. Examples of eligible risks are:

  • Behavioral health facilities
  • Clubhouses
  • Crisis Intervention Centers/Hotlines
  • Marriage counseling
  • Medical Rehab & Mental Health Clinics
  • Mental Health Associations
  • Mental Health Clinic
  • Outpatient Counseling
  • Outpatient Facilities
  • Psychiatric Rehabilitation Services
  • Psychosocial Rehabilitation
  • Referral Services for Personal & Social Problems
  • Residential Treatment Facilities
  • Self-help Organizations
  • Temporary Relief Services
  • Therapeutic Communities

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, VA, 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: