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Exclusive Mental Health Program with A- VIII Rated Carrier

Source: All Risks Ltd.

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Posted on 23 Aug 2010

All Risks, Ltd. announced the introduction of an exclusive insurance program designed to meet the evolving challenges of the mental health industry with Rockhill Insurance Company.

The Mental Health Program specifically targets Outpatient Centers and Clinics for the following classes: Mental Health, Psychiatric, Mental Health Counseling, Alcoholism Treatment, Detoxification, Drug Addiction, Substance Abuse and many more mental health and substance abuse classes. Rockhill Insurance Company, with the support of their exclusive relationship with wholesale broker, All Risks, Ltd., will provide a turn-key insurance solution for mental health related exposures throughout the nation.

Highlights of the new Mental Health program include:

• Low Minimum Premium

• General Liability and Professional Liability Policy Combinations

o General Liability Limits: $1 Million / $3 Million

o Professional Liability Limits: $1 Million / $3 Million

o Excess Layers up to $5 Million

• Sexual/Physical Abuse Coverage – Full Policy Limits

• Occurrence and Claims Made Available

• Defense Costs Outside the Limit

• Hired and Non-Owned Auto Available

• Additional Insured Wording

• Incident Sensitive Coverage Trigger

• Workers Compensation Available

• Separate PL and GL Towers

The program also includes a Risk Management platform designed to help their insureds effectively implement/maintain a secure risk management program. The included services offer a web-based self assessment, access to a resource center with specific module downloads, quarterly newsletter specific to mental health and quarterly webinars with one hour nursing CE credit. Additional services are also available.

Jim LaPlante, Senior Underwriter in the National Specialty Program Unit, will be underwriting and managing the mental health risks that fit into this program. Jim has over 30 years of underwriting experience in the healthcare industry and is extremely well versed in addressing the insurance requirements specific to the mental health industry.

Chris Kelleher, All Risks Vice President – National Programs, stated, “Mental health facilities offer critical services to the communities they serve. All Risks, Ltd. is pleased to be partnering with Rockhill to fill the complex insurance needs of firms in this industry. We have both the experience on staff and the risk management tools in place to effectively service this niche and are prepared to help retail agents and brokers place coverage for their customers.”

“According to the National Institute of Mental Health, 1 in 4 adults suffer from a diagnosable mental disorder in a given year, with 6% suffering from a serious condition. Mental Health conditions are the leading cause of disability in the United States and spending on Mental Health and Substance Abuse services exceeds $230 billion dollars annually. Rockhill’s Mental Health Program will offer specialized coverage, specialized claim handling and specialized Risk Management services to this segment of the healthcare industry,” said Rob Jurgel, Rockhill Senior Vice President and head of Healthcare Underwriting.


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