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Substance Abuse

Substance abuse has many forms that can be overcome with proper support, treatment, detox, rehab and recovery.

Alyssa Zacckey headshot

Email Alyssa Zacckey →
Assistant Vice President
Human and Social Service Product Leader
877-977-4474, ext. 7023

Insurance 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
  • 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
Coverages can include:
  • Professional liability
  • General liability
  • Abuse and molestation
  • Directors and officers
  • Employment practices liability
Additional coverages available:
  • Auto
  • Cyber liability
  • Employment benefits liability
  • Property
  • Umbrella 

Markets

Claim Examples

Professional Liability

Negligent professional services are rendered to a patient of a substance abuse organization. The patient sues for pain and suffering due to the negligent professional advice.

General Liability

A client slips and falls when walking into the lobby of a substance abuse organization. The client breaks his arm and sues the organization.

Abuse and Molestation

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, and the abuse and molestation coverage responds for bodily injury and mental duress.

Directors and Officers

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.

Employment Practices

A volunteer at a substance abuse organization receives numerous sexual advances from a staff member. The volunteer sues the organization, and the employment practices liability policy responds for sexual harassment.

Hired and Non-owned Auto

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 and non-owned policy of the nonprofit organization.

Property

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.