Social Services Professional Liability Insurance

Eligibility:

Eligible classes include, but are not limited to, the following:

• Adult Day Care
• Mental Health Facilities & Services
• Alcohol and Drug Rehab Centers with Methadone Treatment
• Physical/Developmental Disability Facilities
• Employee Assistance
• Referral Agencies
• Family Counseling
• Respite Care
• Group Homes
• Shelters
• Hotlines
• Transitional Living
• Meals on Wheels

Limits Available:

• Stand-alone Professional
  $1,000,000 each claim /$3,000,000 aggregate 
  
• Combo - GL and Professional
  $1,000,000 professional liability limit
  $1,000,000 commercial general liability limit
  $1,000,000 products/completed operations limit
  $1,000,000 personal & advertising injury limit
  $ 5,000 medical expense limit
  $ 50,000 fire legal liability limit
  $3,000,000 aggregate all coverages
  
• Excess Liability - GL and Professional - Limits up to:
  $5,000,000 each claim/$5,000,000 aggregate
  
  Defense within limits for all products

Special Features:

• Incident reporting
• Full prior acts
• Sexual Abuse/Molestation coverage available by endorsement
• Defense in addition to the limits available by endorsement
• Coverage for Employed Psychiatrists available

Minimum Premium: $2,000

Minimum Deductible: $2,500

Ineligible Classes: Foster Care Exposures, Adoption Agencies

Ineligible States: Alaska, Hawaii, Florida (Dade/Palm & Broward) Counties, Texas (Rio Grande Valley), West Virginia