Services and support for people with developmental disabilities come in many forms and cover the arenas of medication, employment, education, rehabilitation, community living, leisure, and health. Supports are planned with the individual, their family and field professionals, while customarily overseen by state and federal bodies. Providers are licensed by their respective states to operate. They can be private or state operated; “for-profit” or “non-profit.” They range in size from one house “Mom and Pop” operations to multi-state, multi-facility operations and most include a Board of Directors and are subject to minimum safety and quality of care standards.
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
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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
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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 Disabilities Policy covers general and professional liability, property, auto, crime and umbrella. Examples of eligible risks are:
- Activity Centers, Handicapped
- Adult Day Care Centers
- Associations for the Handicapped
- Autism
- Cerebral Palsy
- Developmental Disabilities Facilities
- Down Syndrome
- Epilepsy
- Learning Disabilities
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- Mental Retardation*
- Nerve, Muscle & Bone Disease
- Neurofibromatosis
- Other Mobility Impairing Diseases/Injuries
- Residential Care for the Disabled
- Spina Bifida
- Spinal Cord Injury
- Tourette’s Syndrome
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Note: Mental Retardation is a clinical diagnosis.
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
Before downloading and signing any insurance applications, make sure that you know your state’s fraud warnings.
Required Applications:
Package Supplements: Please complete the appropriate supplement below and include the Sexual Abuse Supplement
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:
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