NSM Insurance Group offers a comprehensive and exclusive solution for agents and brokers working with addiction recovery facilities. The Addiction Treatment Providers Insurance Program is specifically designed to meet the complex and evolving needs of organizations in the behavioral health and substance abuse treatment industry. Backed by top-rated carriers and available nationwide, this program provides broad coverage options and expert underwriting tailored to these unique risks.
Ideal Accounts and Appetite
This program is ideal for licensed addiction treatment centers, detox facilities, sober living homes, outpatient clinics, and behavioral health organizations. Whether your client operates a single-location outpatient center or a multi-site residential facility, NSM’s program can accommodate a wide range of operations. Coverage is available in most states, and the program is structured to address the specific exposures of behavioral health facilities, including property, liability, and professional risks.
Coverage Highlights and Advantages
The program offers a robust portfolio of coverages designed to protect addiction treatment providers from a wide range of exposures:
- Property – Building & Personal Property
- Water back-up of sewers, drains, or sumps
- Sign coverage with no limitation
- Business Interruption including extra expense
- Earthquake and Flood (where available)
- Ordinance or Law
- Boiler & Machinery
- Electronic Data Processing (EDP)
- Crime and Inland Marine
- General Liability – includes fundraising events
- Professional Liability – Occurrence Form
- Automobile – Non-Owned, Hired, Rental Reimbursement
- Umbrella
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, size of operation, and coverage selections. NSM’s underwriting team brings deep industry expertise to evaluate each submission with care and responsiveness. Their professional and friendly service ensures a smooth placement process for agents working with behavioral healthcare clients.
Territories and Availability
This program is available in all 50 states and Washington, DC, with admitted coverage available in most states. Whether your client is opening a new facility in California or expanding operations in New York, NSM can provide the flexibility and state-specific insight you need to place the business efficiently.
Why Work with NSM Insurance Group
As a leading Managing General Agency, NSM Insurance Group brings decades of experience and a specialized focus on niche industries like addiction treatment. They work exclusively with reputable carriers and offer nationwide availability, competitive pricing structures, and industry-specific underwriting. Agents can expect responsive service and a streamlined process from quote to bind.
You might have a client who runs a sober living facility in Florida with multiple locations or a startup outpatient clinic in Texas. NSM’s program is flexible enough to accommodate both, helping you protect your clients' operations and reputation with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for substance abuse rehab centers, outpatient treatment providers, detox facilities, and sober living homes.
Is coverage available nationwide?
Yes, the program is available in all 50 states and Washington, DC, with admitted coverage in most states.
What makes NSM’s program different from general commercial insurance?
NSM’s program is tailored specifically for addiction treatment providers, offering customized coverages such as professional liability on an occurrence form and coverage for fundraising events.
Can I get coverage for a new or expanding facility?
Yes, new ventures and growing operations are eligible, subject to underwriting review and risk characteristics.
How quickly can I get a quote?
Turnaround times vary, but NSM is known for responsive service and efficient processing of submissions.
Need help placing an account? Connect with a market specialist.