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Developmental Disabilities

Organizations Supporting Those with Developmental Disabilities

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
  • Enhanced Property Form
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Special Deductible Exceptions
  • Business Income/Extra Expense
  • Upgrade to Green Available

General Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Employee Benefits Liability
  • Fund Raising Events including Liquor Liability
  • Broad Additional Insured included at no extra charge
  • Medical Payments up to $25k available*
  • 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
  • HIPAA Coverage Available

Umbrella – Follow Form

  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • Employers Liability
  • No Binding Arbitration Endorsement

Crime

  • Employee Theft*
  • Forgery or Alteration*
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contracts
    Other Coverage Available

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
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered
  • Psychiatrist, Psychologist Coverage
  • No Binding Arbitration Endorsement

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 (where available)
  • Towing Limit for Private Passenger Vehicles
  • Drive Other Car – Executive Officers
  • Rental Reimbursement available
  • UM/UIM Coverage
  • Broadened Auto Coverage where available

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 for Disabled Persons
  • Adult Day Care Centers
  • Arcs
  • Cerebral Palsy Associations
  • Companion Services for Disabled Persons
  • Day Programs
  • Developmental Disability Service Providers
  • Disability Support Groups
  • Job Placement + Job Coaching
  • Residential Care Facilities (ICF, IRA, Supported Living)
  • Vocational Training Centers

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

Enhancements

Other Coverage Needs:

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: