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Policy Highlights for Detox Facility Insurance: 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. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. 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.

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NATIONAL PHARMACY INSURANCE PROGRAM ARS EXCLUSIVE!! Overview of the Program From Atlantic Risk Specialists, Inc./ARS-Latiff, LLC The National Pharmacy Insurance Program is an exclusive offering from Atlantic Risk Specialists, Inc./ARS-Latiff, LLC, designed specifically for retail and compounding pharmacies across the United States. This comprehensive solution provides vital liability protection tailored to the risks your pharmacy clients face every day—whether they’re compounding customized medications or operating multiple retail locations. Ideal Accounts and Appetite This program is crafted for a wide range of pharmacy operations, including: Independent and chain retail pharmacies Compounding pharmacies (sterile and non-sterile) Pharmacies providing delivery or mail-order services Pharmacies with PCAB certification may qualify for additional discounts, making this program even more attractive for high-quality operators. Example fit: You may have a client operating a multi-location retail pharmacy that also offers compounding services. They need reliable protection for professional liability, general premises exposures, and product-related risks. This program is built to meet those needs. Coverage Highlights and Advantages Professional Liability: Covers professional services, including compounding activities. $1,000,000 Each Claim / $3,000,000 Aggregate (Higher limits of $2M/$4M available) General Liability (Including Products & Completed Operations) $1,000,000 Each Occurrence / $3,000,000 Aggregate Additional Coverage Features: Defense Outside the Limits (within policy aggregate) Medical Payments: $5,000 per injured person / $250,000 for all insured persons $50,000 for damage to premises rented to you Personal and Advertising Injury Liability Additional Insured endorsements for landlords, sponsors, or lessors Data breach and privacy liability, including breach mitigation expenses HIPAA-related exposures Prior acts coverage, higher deductibles, and increased limits may be available for an additional premium. Underwriting Notes and Minimum Premiums All coverage is written on a claims-made basis through an A-rated carrier. The minimum premium starts at $3,500, making it a competitive option for small to mid-sized pharmacy operations. Underwriting is highly focused on risk quality, and additional credits may apply for certifications and well-managed operations. Territories and Availability This non-admitted program is available in all 50 states and the District of Columbia, including but not limited to CA, FL, NY, TX, and IL. Atlantic Risk Specialists offers nationwide reach with the specialty expertise needed to properly assess pharmacy-related risks across diverse jurisdictions. Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC Atlantic Risk Specialists is a Managing General Agency and Excess & Surplus Lines Broker with deep industry knowledge and a commitment to service. With exclusive access to this pharmacy program and a proven track record in complex risk placement, ARS is your go-to partner for placing pharmacy-related liability risks. You’ll benefit from specialized underwriting, market access to A-rated carriers, and responsive service that helps you close more accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent and chain retail pharmacies, compounding pharmacies (both sterile and non-sterile), and pharmacies offering delivery or mail-order services. Is coverage available nationwide?Yes, the program is available in all 50 states and the District of Columbia through a non-admitted A-rated carrier. What are the minimum premiums?The program starts at a minimum premium of $3,500, with pricing based on specific risk characteristics and limits selected. Are PCAB-certified pharmacies eligible for discounts?Yes, pharmacies with PCAB certification may qualify for additional premium discounts. What additional coverages are included?Coverage includes data breach and privacy liability, HIPAA-related exposures, and endorsements for additional insureds such as landlords or sponsors. Need help placing an account? Connect with a market specialist.

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