Rehabilitation centers are quite similar to other facilities in the health care industry, in the sense that, they also store large amounts of sensitive medical information and personal data of their patients as well as doctor records on company computer systems and networks.
But, identity theft, fraud, data manipulation and other types of cyber-crime aren’t the only risks that patients and rehab centers face. Criminal acts such as petty theft, theft of personal belongings and burglary committed by employees, inmates as well as outside entities are also quite common.
Loss and damage from dishonest and criminal acts can be costly and can disrupt daily operations.
What is Rehabilitation Facilities Crime?
Rehabilitation facilities crime coverage protects rehab operators and staff against direct financial losses caused by dishonest acts, theft, burglary, employee dishonesty and certain forms of fraud. It complements other policies such as commercial liability and property coverage and helps protect both cash and non-cash assets, including patient funds and controlled substances.
Who needs it
Facilities that commonly purchase this coverage include residential and outpatient treatment centers, medical rehabilitation clinics, and other care operators responsible for patients and valuable inventory. Rehab centers that also handle sensitive records often buy complementary protections like cyber liability; see Cyber Liability Insurance for Drug and Alcohol Rehab Centers for more on data and privacy exposures.
What it typically covers
Common coverages include employee dishonesty (theft by staff), robbery and burglary, forgery and alteration, and funds transfer fraud. Policies may also include third-party coverage for losses suffered by patients or vendors. A typical risk scenario: an employee steals patient belongings or diverts medication—crime insurance can cover the loss and business interruption impact.
Common exclusions or limitations
Exclusions often include expected or intentional acts by owners, losses caused by war or government seizure, and items not listed on schedules (high-value jewelry, for example). Policies may require written controls, inventory procedures, and risk management steps as conditions for coverage.
Factors that influence cost
Insurers consider underwriting factors such as the facility’s size, revenue, employee screening practices, inventory controls, and claims history. Other influences include the limits you choose, deductibles, and whether you bundle with related protections like participant accident coverage or commercial auto exposure for transports. For facilities focused on physical therapy and equipment-heavy services, see Medical Physical Rehabilitation Insurance for coverage that addresses equipment and property exposures.
Proof of insurance & compliance
Many regulators and contract partners require a certificate of insurance showing crime limits and third-party coverage. Maintaining clear policies for hiring, background checks, cash handling, and controlled substance security helps both compliance and pricing.
How to get a quote
Compare options and discuss underwriting details with an agent who understands rehab-specific liability exposures and risk management considerations. For a tailored quote, you can start an application or request a proposal through our site.
Frequently Asked Questions
Does crime insurance cover theft by patients or visitors?
Coverage varies by policy. Many policies cover theft by non-employees under robbery or burglary sections, but limits and conditions differ—check your policy wording.
Will a crime policy cover cyber-related fraud or data breaches?
Traditional crime policies may cover certain types of funds transfer fraud, but cyber incidents and data breaches usually require a dedicated cyber liability policy. See Cyber Liability Insurance for Drug and Alcohol Rehab Centers for more detail.
Can I add crime coverage to an existing rehabilitation center insurance package?
Yes. Many providers offer crime as an endorsement or standalone policy and can bundle it with general liability, property, and professional coverages to match your operational needs.
Still have questions? Talk to a local insurance expert.