Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for an animal shelter.
Get a quote for a substance abuse rehabilitation organization by completing an application.
Coverage for a substance abuse rehabilitation organization can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Policy highlights can include:
- Defense outside limits
- Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
- Industry leading broadening forms
- Broad definition of who is an insured
- Easy access to brokers
- Underwriting expertise with limited customer distribution
- Ability to provide admitted and non-admitted terms
- Coverage can be written claims-made or occurrence
- Risk management services
- Separate limits for General Liability, Professional Liability and Abuse and Molestation
- In-house claims experts
Substance abuse rehab claim examples
A fire breaks out as a result of cooking in the common kitchen area of a substance abuse organization, which results in extensive smoke and heat damage to both the building and its contents and forces substance abuse rehab administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.
Hired/Non Owned Auto Claim:
Holly is a staff member working for a substance abuse organization that provides mentoring. While Holly is driving a volunteer for a visit to the supply office she fails to yield at a stop sign and strikes another vehicle. The volunteer sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claim amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the Hired/Non-Owned policy of the nonprofit organization.
Abuse and Molestation Claim:
A man who is volunteering for a substance abuse organization receives consent to take a girl he is mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A volunteer at a substance abuse organization receives numerous sexual advances from a staff member. The volunteer sues the organization’s Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local substance abuse organization requesting that the money be used to enhance the building’s facilities. The board instead votes to use the money to buy a new car for the Director. The donor files suit alleging misappropriation of funds.