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