NSM Insurance Group provides a focused market for agents and brokers placing addiction recovery facilities. The Addiction Treatment Providers Insurance Program is built to address the complex and evolving exposures of behavioral health and substance abuse treatment organizations. Backed by top-rated carriers and available nationwide, the program combines broad coverage options with underwriting expertise specific to this niche.
Ideal Accounts and Appetite
This program fits licensed addiction treatment centers, detox facilities, sober living homes, outpatient clinics, and other behavioral health organizations. NSM can underwrite single-location outpatient providers as well as multi-site residential programs. Coverage is structured to address the common property, liability, and professional exposures these operations face.
Coverage Highlights and Advantages
NSM’s program offers a comprehensive portfolio designed for addiction treatment providers. Key coverages include:
- Property – Building & Personal Property
- Water backup of sewers, drains, or sumps
- Sign coverage without limitation
- Business interruption including extra expense
- Earthquake and flood (where available)
- Ordinance or law coverage
- 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 liability
Underwriting Notes and Minimum Premiums
Minimum premiums and specific terms vary by class of business, location, and coverage choices. NSM’s underwriting team applies industry knowledge to review each submission efficiently and help identify appropriate coverage combinations for your client. For tighter turnaround, include occupancy details, licensing status, claims history, and staffing/clinical protocols with your submission.
Territories and Availability
The program is available across all 50 states and Washington, DC, with admitted paper in most jurisdictions. NSM can place accounts nationwide and provides state-specific underwriting insight where required.
Why Work with NSM Insurance Group
As a specialty Managing General Agency, NSM focuses on niche healthcare and behavioral health risks. Their carrier relationships, targeted appetite, and experienced underwriting team help you place accounts that general commercial markets may decline or limit. Expect competitive structures, responsive service, and guidance through quote-to-bind.
Example fits: a brokered submission for a multi-site sober living operator expanding into a second state, or a start-up outpatient clinic seeking occurrence-form professional liability alongside property and general liability. NSM’s program is built to handle both routine placements and more complex behavioral health operations.
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.