Comprehensive Property and Casualty Insurance for

Behavioral / Mental Healthcare

Our Behavioral/Mental Healthcare program is an exclusive property and casualty insurance package 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.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.

Property

  • Blanket Property and Contents Coverage
  • Replacement Cost, Agreed Amount available
  • Equipment Breakdown
  • Business Income / Extra Expense
  • Broad Form Property Coverage provided
  • Extermination Expense to $5K
  • Client Monies & Securities included
  • 4% inflation guard applies to Building & Business
  • Emergency Vacating Expense
  • Room Reserve
  • Earthquake & Flood available
  • Builders Risk available

General Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard
  • Employee Benefits Liability (claims made)
  • Broad Additional Insured included; Endorsements available at no extra charge
  • Medical Payments*
  • Fire Legal Liability*
  • Aggregate per Location Endorsement
  • Defense outside the Limits
  • No binding arbitration endorsement
  • Crisis Response**
  • Fundraising Events including Liquor Liability

Umbrella

  • Up to $10M limits*
  • $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
  • Additional options available

Inland Marine Form

  • Scheduled Equipment
  • Blanket Electronic Data Processing Equipment Coverage

Professional Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Punitive damage coverage (where permitted by law)
  • Includes employees, volunteers, employed nurses, psychiatrists, psychologists, medical directors and administrators
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Separate, dedicated abuse limits
  • Abuse and Molestation coverage for employee / client / 3rd part
  • $50k Licensing Board Defense Coverage**
  • HIPAA Coverage**
  • Primary Coverage available for MDs**
  • No binding arbitration endorsement

Commercial Auto

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

* Increased limits and additional coverage options are available. ** Available in most states.

  • Behavioral Health Facilities
  • Clubhouses
  • Crisis Intervention Centers / Hotlines
  • Marriage Counseling
  • Medical Rehab and Mental Health Clinics
  • Mental Health Associations
  • Mental Health Clinics
  • Outpatient Counseling
  • Outpatient Facilities
  • Psychiatric Rehabilitation Services
  • Psychosocial Rehabilitation
  • Referral Services for Personal and Social Problems
  • Residential Treatment Facilities
  • Self-Help Organizations
  • Temporary Relief Services
  • Therapeutic Communities
  • 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
  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 5 years experience)
  • Business Plan

Applications for this program are state-specific. Please download your state’s application and the appropriate package supplements.

AR, CA, CO, CT, DC, IA, IL, IN, LA, MA, MD, MI, MN, MO, MS, ND, NE, NJ, NM, OH, OK, RI, SC, TN, TX, UT, VT, WA, WI:

Required Applications:

Click here to download
a new business application

Click here to download
a renewal application
(current ISA policyholders)

AK, AL, AZ, DE, FL, GA, HI, ID, KS, KY, ME, MT, NC, NH, NV, NY, OR, PA, SD, VA, WV, WY:

Required Applications:

Click here to download
a new business application

Click here to download
a renewal application
(current ISA policyholders)