Comprehensive Property and Casualty Insurance for

Addiction Treatment Facilities

Irwin Siegel Agency offers a custom Addiction Treatment property and casualty insurance program for organizations and facilities that support those striving to overcome substance use disorders, including alcohol and drug abuse. Our insurance package can provide coverage for addiction treatment and substance abuse facilities providing a variety of services such as counseling, workshops, and vocational and residential programs.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.

COVERAGE HIGHLIGHTS

Property

Blanket Property and Contents Coverage
Replacement Cost, Agreed Amount available
Equipment Breakdown
Business Income / Extra Expense
Broad Form Property Coverage provided
Extermination Expense to $5K
Client Monies & Securities included
4% inflation guard applies to Building & Business
Emergency Vacating Expense
Room Reserve
Earthquake & Flood available
Builders Risk available

General Liability
(Occurrence & Claims made available)

$1M/3M Limits Standard
Employee Benefits Liability (claims made)
Broad Additional Insured included; Endorsements available at no extra charge
Medical Payments*
Fire Legal Liability*
Aggregate per Location Endorsement
Defense outside the Limits
No binding arbitration endorsement
Crisis Response**
Fundraising Events including Liquor Liability

Umbrella

Up to $10M limits*
$10K Minimum Retention (SIR)
Employers Liability
Contractual Liability
Products & Completed Operations
Auto Liability
General Liability

Crime

Employee Theft
Forgery or Alteration
Inside Premises Money & Securities
Inside Premises Robbery & Safe Burglary
Outside Premises
Clients Property included
ERISA available
Additional options available

Inland Marine Form

Scheduled Equipment
Blanket Electronic Data Processing Equipment Coverage

Professional Liability
(Occurrence & Claims made available)

$1M/3M Limits Standard*
Punitive damage coverage (where permitted by law)
Includes employees, volunteers, employed nurses, psychiatrists, psychologists, medical directors and administrators
Independent Contractors (excluding MDs)
Vicarious Liability of Doctors
Separate, dedicated abuse limits
Abuse and Molestation coverage for employee / client / 3rd part
$50k Licensing Board Defense Coverage**
HIPAA Coverage**
Primary Coverage available for MDs**
No binding arbitration endorsement

Commercial Auto

$1M Combined Single Limit Liability
Medical Payments
Mandatory PIP where applicable
Uninsured/Underinsured Motorists
Non-Owned / Hired Auto
Hired Auto Physical Damage Coverage
Employees as Insureds
$50 Towing Limit for Private Passenger Vehicles
Rental Reimbursement available

* Increased limits and additional coverage options are available. ** Available in most states.

The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.