Prevention, treatment and recovery programs carry clinical exposure, residential exposure, or both — and the policy has to reflect which services you actually provide.
Claims alleging that treatment or a discharge decision caused harm fall to professional liability, not general liability.
If clients live on site, you take on twenty-four-hour supervision and property exposure at the same time.
Programs serving people in recovery work with clients at their most vulnerable, which shapes both the professional and the abuse and molestation exposure.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
