Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations.
Ideal Accounts and Appetite
This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include:
- Freestanding detox centers
- Hospital-based or affiliated detox units
- Specialty hospitals focused solely on substance abuse treatment
- Rehabilitation facilities offering inpatient or outpatient services
- Clinics affiliated with mental health centers or HMOs
Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred.
Coverage Highlights and Advantages
Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including:
- General Liability and Professional Liability
- Property and Equipment Coverage
- Sexual Abuse and Molestation Liability
- Employee Practices Liability (EPLI)
- Medical Malpractice (where applicable)
Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment.
Which states is this program available in?
The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted carriers used?
Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile.
What coverages are typically included?
Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others.
Does the program accommodate new ventures?
Yes, new ventures may be considered depending on the business plan, licensing, and staff background.
Need help placing an account? Connect with a market specialist.