Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a outpatient services organization.
Get a quote for a substance abuse or mental health outpatient service by completing an application.
Coverage for a sustance abuse or mental health outpatient service can include:
General Liability
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Special Events
Crisis Intervention
Professional Liability
Crime
Property
Equipment Breakdown
Business Income
Auto
Employee Benefits Liability
Blanket Additional Insureds
Cyber Liability
Umbrella
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
- Easy access to brokers
- 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
Outpatient services claim examples
Property Claim:
A fire breaks out as a result of cooking in the common kitchen area of a outpatient organization, which results in extensive smoke and heat damage to both the building and its contents, and forces the outpatient's organization administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 as a result of property damage and extra expenses.
Hired / Non Owned Auto Claim:
Holly is a staff member working for a hospice 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 claims amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the Hired / Non-Owned policy of the nonprofit organization.
Professional Liability:
A Registered Nurse administers a pain relieving intravenous drug to a abuse shelter patient. There is an allergic reaction causing the patient to break out into a painful rash. The patient’s family is upset and sues for pain and suffering.
Abuse and Molestation Claim:
A man who is volunteering for a hospice 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’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A volunteer at a hospice organization receives numerous sexual advances from a staff member. The volunteer sues the organizaation’s Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local hospice 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.
