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Adult Day Care, Mental & Behavioral Health and Other Social Services

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Adult Day Care, Mental & Behavioral Health and Other Social Services

Program Target Description: Insurance program is designed for insuring the needs of non-profit and for-profit social service agencies providing professional services other than "hands on" medical care. 

Program Target:  

  • Target Risks:
    • Drug and Alcohol Rehab/Clinics
    • Mental Health Facilities
    • Adult Day Care
    • Social Services Agencies
    • Crisis Centers 
  • Ineligible Risks: 
    • Developmentally Disabled 
    • Correctional Housing 
    • YMCA Programs
    • Adoption / Foster Care Programs
    • Youth Residential (Primary Exposure) 
    • Para Transit Risks 
  • Geographic:
    • Nationwide except AK, HI

Competitive Advantages:

  • Longevity & Experience: Over 16 years of underwriting experience for substance abuse treatment facilities
  • Custom Products: Products specifically designed for substance abuse treatment facilities

Coverages & Limits Available:  

  • Auto including Non Owned & Hired Auto - $1M
  • Building & Personal Property - $1,000 up to $1M Limits
  • Corporate Identity Protection
  • General Liability - $3M limits available
  • HIPAA Liability
  • Inland Marine
  • Occurrence or Claims Made Forms
  • Professional Liability - $1M limit available 
  • Sexual and Physical Abuse Liability
  • Umbrella limits - $1M per occurrence / $1M aggregate  to $10M per occurrence /$10M aggregate 

Submission Requirements:

  • ACORD applications 
  • Program Supplemental  Application
  • 4 full years of carrier loss runs 
  • Property Statement of Values
  • Insured website address and/or brochure 
  • Copy of insured's intake procedures & patient rules for residential facilities 
  • Financial Statement 

Broker Requirements:

        Current appointment with  the program administrator or, if not, complete the following items: 

  • Broker Agreement
  • IRS W-9
  • Copy of E&O Certificate or Declaration Page
  • Copy of the agency’s license per location
  • Agency Profile Document
  • If multiple locations, include a list and confirm ALL locations are covered under the operation’s Errors and Omissions policy