Insurance for Drug and Alcohol Treatment Centers
Specialty liability insurance solutions tailored to your needs.
Get StartedIn an industry as critical as yours, every decision can have profound implications. Choose XINSURANCE for liability coverage that understands.
Our expertise ensures that your unique needs are met, providing true peace of mind and a secure foundation for both your business, your staff, and those you serve.
What is Drug and Alcohol Treatment Center Insurance?
Drug and alcohol treatment center insurance is a specialized form of liability coverage designed to address the unique risks faced by facilities assisting individuals in overcoming substance dependence. In this sector, every interaction holds significant weight, and the potential for liability claims is ever-present. Your commitment to guiding individuals through recovery demands a protective barrier against the unpredictable, be it alleged professional misconduct, on-site incidents, or unforeseen events that could compromise your operation’s financial stability.
Partnering with XINSURANCE means choosing vigilance over vulnerability, where your dedication to transformative care isn’t hindered by the fear of liability. Our approach isn’t just about insurance coverage; it’s about crafting a partnership that stands as a testament to TRU insurance. We believe you deserve a risk management ally that not only anticipates the complexity of your challenges but actively engages in safeguarding your center’s legacy and future. With us, you’ll find a steadfast advocate committed to elevating the certainty and security within your vital work.
Who We Can Help
Any facility that offers treatment services for drug and alcohol addiction should consider liability insurance to protect against potential legal and financial vulnerabilities inherent to providing such critical services.
- Drug and Alcohol Treatment Centers
- Rehab Centers
- Detox Centers
- Staff (nurses, physicians, counselors, etc.)
- And More!
Treatment and Rehab Center Liability Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
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.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a therapy dog. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or illness. Learn more.
Riot and Civil Commotion Liability
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. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Insurance for Drug and Alcohol Treatment Centers
Why is liability insurance important for rehab centers?
Liability insurance is crucial for rehab centers as it provides a financial safety net against claims that could arise from various incidents, ensuring the center can continue operating without crippling financial burdens.
Will liability insurance cover incidents that occur off-site but are related to our services?
Coverage for off-site incidents depends on your policy details. It’s essential to discuss with us if your operations include off-site services or activities to ensure these are covered.
My facility already has an insurance policy. Am I covered?
Traditional insurance policies can often have gaps and coverage that are leaving your facility or treatment center exposed. Similarly, opting for cheap insurance can end up costing you more in the long run when an incident, accident, or claim occurs once you find out you aren’t properly covered.
We advise anyone with an insurance policy to contact us and let us review your policy, at no charge, to identify any gaps or exclusions that could end up costing you. We may be able to provide a solution that fills those gaps and gives you true peace of mind.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What unique risks do drug or alcohol rehab facilities face?
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!
How much does insurance for alcohol and drug treatment centers cost?
The cost of liability insurance for alcohol and drug treatment centers is based on a variety of factors, including the center’s size, location, the types of services provided, the number of clients served, past claim history, and the specific risks associated with your operations.
It’s best to contact us and tell us more about your treatment center so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Healthcare Facilities
We can provide liability insurance solutions for healthcare facilities, including hospitals, urgent care centers, nursing homes, birth centers, assisted living facilities, and much more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
