Sober Homes Insurance
Sober homes face unique risks. We are here to serve your organization by assessing your risks, providing guidance to help prevent losses, and providing you with quality insurance coverage in case a loss does occur. Our goal is to give you peace of mind, so your organization can continue to do what you do best.
Our agency is experienced in working with Recovery Programs (including Detox Programs, Partial Hospitalization Programs, Residential/Inpatient Treatment Programs, Intensive Outpatient Programs, Medication-Assisted Treatment Programs, Behavioral Therapy and Counseling Programs, and others) to find appropriate coverage for their unique risks. A single event can cripple the finances and reputation of an organization. We work with organizations to place coverages, including:
- Property
- General Liability
- Professional Liability
- Abuse and Molestation Coverage
- Commercial Vehicle
- Workers’ Compensation
Insurance for Sober Homes and Addiction Treatment Centers
What Is Sober Home Insurance?
Sober home insurance is a specialized form of business insurance designed to protect sober living residences and their operators. This insurance is a comprehensive safeguard for the physical property and the management of the home. It typically includes Commercial Property Insurance to protect the house itself from damage due to fire, theft, or vandalism, as well as General Liability to cover claims of injury or property damage that occur on the premises. While many sober homes do not offer clinical services, some policies may also include a form of Professional Liability to protect against allegations of negligence related to peer support, house rules, or management oversight.
Why You Need Sober Home Insurance:
You need sober home insurance to manage the unique and significant legal and financial liabilities that come with operating a recovery residence. Unlike a typical landlord, a sober home operator is managing a vulnerable population with specific needs, which creates a high potential for legal claims. These can range from resident-on-resident incidents like altercations or theft to claims of negligent supervision if a resident experiences a relapse or a medical event on the property. The physical nature of the home itself also poses a risk, and a fire or flood could be financially devastating without proper coverage. Furthermore, while sober homes are generally not licensed medical facilities, courts and regulatory bodies may hold them to a higher standard of care due to the nature of their services. A comprehensive insurance program is a vital part of a robust risk management strategy, ensuring that you can continue to provide a safe, supportive environment without being jeopardized by a claim.
Selecting the Right Inpatient/Residential Program Insurance
Navigating the landscape of insurance options to find the right coverage can seem like a daunting task. However, by pinpointing your specific business needs and carefully evaluating various insurance providers, you can secure a plan that is perfectly suited to your business.
When evaluating an insurance provider, you will want to consider their reputation, financial stability, and quality of customer service to make sure you are receiving the best value for your investment.
How to Secure Your Inpatient/Residential Program Insurance
Finding insurance for your program is relatively straightforward. You can begin by requesting a quote from a reputable insurance provider. This will give you a clear picture of the available coverage options and the associated costs. If you would like to request a quote, you can easily do it here.
Once you have a quote, you can move forward with the application process. This typically involves providing details about your business, such as the number of employees, the type of work you perform, and the value of your equipment. After your application is approved, you can start benefiting from the protection that your inpatient/residential program insurance provides.
Conclusion
The right insurance coverage can be a game-changer when it comes to managing risks and ensuring the prosperity of your program. If you would like to contact our local agents, you can start with a customized quote here.
Steps to Protect Your Recovery Program
1
Request a quote
Complete our easy quote form to begin the process. Your request is assigned to our agent in your local area.
2
Meet your local agent
Our agent will contact you and gather information about your ministry or organization and your insurance coverage needs
3
We gather quotes
Our agent will submit your information to one or more carriers to begin the underwriting process.
4
Get your quote
Upon receipt of all quotes, our agent will present a proposal outlining the coverage and pricing for your consideration.
5
Start coverage
Upon receipt of your initial premium and confirmation that your coverage is bound, your coverage begins.
Chris Graham
Sales Agent – Committed to Addiction Treatment and Recovery Center Protection
Chris Graham brings years of experience planning and placing coverage for organizations seeking protection. As a sales agent with Bitner Henry Insurance, he is happy to answer your questions about coverage for your recovery center or organization. Contact him today, and he would be glad to help.
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Customer Service Team
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