INSURANCE FOR DRUG AND ALCOHOL TREATMENT CENTERS

XINSURANCE provides customized liability insurance solutions for businesses and individuals in the United States. We can help the following:

• Drug and Alcohol Treatment Centers
• Detox Centers
• Rehab Centers
• Staff (those who work with the patients or help treat them such as physicians or counselors)
• And more!

We have an all-in-one approach with insurance for rehab centers that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

• Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
• Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
• Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
• Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
• Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
• Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
• Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
• Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
• Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
• Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
• Professional liability: Coverage for claims regarding negligent acts and more.
• Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
• Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
• Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
• Tru Umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
• And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

Drug or alcohol rehab facilities can have the same third-party bodily injury and property damage risks that other businesses and facilities face. However, there are some risks that are truly unique to rehab facilities. These risks and scenarios include:

• Working with people who struggle with their addiction
• Patients going through withdrawal symptoms
• Physically, emotionally, or mentally compromised people who lash out at others with little to no warning
• Suicidal patients
• Patients who need a variety of medications for their addiction or other medical conditions
• Volunteers are involved in an accident or incident
• Specialists who make home visits or travel
• A patient or visitor claims that a worker was negligent

It is important to have customized liability insurance for drug and alcohol treatment centers to cover as many risks and scenarios as possible!

XINSURANCE is a DBA of Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, providing specialty liability insurance solutions. The company offers insurance solutions when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE provides businesses and individuals with access to customized liability insurance policies that cover gaps in your traditional coverage. They provide you with true peace of mind. With over 40 years of experience in the industry, they will be your trusted partner. XINSURANCE will stand by your side when no one else will.

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.