Provides comprehensive insurance solutions for corporations that specialize in the human services fields with more than 1 employee.
- Providing insurance solutions for over 35 years!
- Professional Liability with a broad definition of professional service
- General Liability with a Broadening Endorsement
- Coverage written on an occurrence form with separate limits of liability
- Additional coverage offered per underwriter approval including; Property, Business Auto, Cyber Liability, Crime, and Excess Liabity
Who We Protect
- Residential Treatment Programs
- Dual Diagnosis Facilities
- Drug and Alcohol Treatment Facilities
- Mental Health Facilities
- Psychologists
- Behavioral Health Programs
- Certified Employee Assistance Programs
What Products Do We Offer?
- Professional liability with a broad definition of professional service:
- Coverage pays for those sums that the insured becomes legally obligated to pay as damages because of any act, error, or omission due to the rendering or failure to render a professional service.
- Provides coverage for professional services provided by another person or organization on the insured’s behalf, such as employees and volunteers.
- Broad definition of professional services to include any service that involves specialized education, knowledge, labor, judgement, and skill that is predominately mental or intellectual. The coverage is not limited to professional who have a degree or license.
- Additional Insured — Automatic status when required by written contract.
- Professional Liability is available for full-time counselors and students as well as at a discounted rate for those working part-time.
- Our policy is written on an “Occurrence” coverage form. With this coverage it does not matter when a claim or suit is reported, the policy will respond as long as the injury or damage sustained was during the policy period.
- Limits are offered at $1 million each incident / $3 million annual aggregate and up to $2 million per incident / $7 million annual aggregate when required by state, contract, or for those who just want higher limits.
- Defendants reimbursement and deposition fees and expenses included.
- Peer Review.
- $25,000/$50,000 administrative defense of HIPAA notification costs.
- General Liability with a Broadening Endorsement
- Increased medical payments and property damage extension or coverage for damage to premises rented to you.
- Personal and Advertising Injury included.
- Additional Insured: Automatic status when required by contract (Example: Landlord).
- Medical Expenses for first aid–administered up to $20,000 during policy period.
- Damage to property of others–$5000.
- Defense expense outside limits.
- Excess Liability options available to increase limits to $3M per incident /$10M per aggregate.
- $1,000,000 Occurrence / $3,000,000 Aggregate — Includes coverage for those sums that the insured becomes legally obligated to pay as damages for bodily injury and property damage.
- $1,000,000 Damage to Premises rented to you, which includes coverage for fire, lightning, explosion, automatic sprinkler leakage, or water (excluding flood).
- Bodily Injury broadened to include mental injury, mental anguish, humiliation, or shock.
