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Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is tailored to address the unique risks faced by facilities providing professional Alcohol and Drug Rehabilitation Services. Whether your client operates a residential treatment center, outpatient counseling clinic, or sober living facility, this program offers comprehensive protection for a wide range of services, including medical care, behavioral therapy, and nutritional counseling. Ideal Accounts and Eligible Classes This program is a strong fit for agents looking to place coverage for a variety of addiction treatment operations, including: Addiction Treatment Centers Drug Rehabilitation Facilities Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Rehabilitation Centers Sober Living Homes Clinics (must be part of a broader treatment program) Outpatient Detox Programs Ineligible Classes Facilities offering Level 4 Plus Detox services Coverage Highlights and Advantages AFC Insurance Inc.'s program offers agents access to a wide range of coverages designed specifically for the operational and professional risks of treatment centers: Package Coverage General and Professional Liability Endorsements for Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Coverage Optional Blanket Additional Insureds via Extended Coverage Endorsement Umbrella Liability Property and Auto Coverage (some restrictions may apply) Abuse and Molestation Coverage Underwriting Notes and Minimum Premiums Minimum premiums vary depending on state, class of business, and scope of operations. Standalone clinics are not eligible unless part of a broader treatment offering. AFC Insurance Inc. works with multiple carriers to provide flexible underwriting solutions tailored to the unique exposures of each facility. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, with access to a broad network of carriers to meet both regulatory and operational needs. Why Work With AFC Insurance Inc.? As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the human and social services sector. Their Addiction Treatment Center Insurance Program is built to help agents confidently place business for a wide range of rehabilitation and counseling facilities. With flexible coverage structures, robust liability protection, and competitive market access, AFC supports agents every step of the way—from submission through policy issuance. You might have a client who operates an outpatient drug counseling center with part-time staff and volunteer counselors. Or perhaps a residential alcohol rehabilitation facility that includes medical detox and nutritional therapy. AFC Insurance Inc. has the tools and underwriting support to help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and outpatient addiction treatment centers, including alcohol and drug rehab facilities, sober living homes, and counseling clinics that are part of a broader treatment offering. Are standalone clinics eligible for coverage?No, clinics must be part of an overall treatment plan or facility to be eligible for coverage under this program. Is Abuse and Molestation coverage included?Yes, Abuse and Molestation coverage is available as part of the broader package, helping protect facilities from sensitive liability exposures. What is the underwriting process like?AFC Insurance Inc. works with multiple carriers and offers flexible underwriting tailored to the specific operations, services, and staffing structure of each facility. Which states is this program available in?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Admitted coverage is available in many jurisdictions. Need help placing an account? Connect with a market specialist.

The Social Service industry is one of the fastest-growing sectors in the U.S., employing more than 1.6 million people across roughly 94,000 establishments. With projected growth of about 40% over the next decade, agents need reliable, specialized workers' compensation options that match the sector’s unique exposures. PMC Insurance Group offers a dedicated Social Service Workers' Compensation Program tailored for social service providers. As a wholesale broker with access to admitted, A-rated carriers, PMC helps retail agents place challenging or underserved workers' compensation risks with greater confidence. Ideal Accounts and Appetite This program is built for a broad range of social service organizations, including (but not limited to): Sheltered workshops Drug & alcohol rehabilitation and counseling centers Children & family services agencies Individual and group counseling services Vocational rehabilitation providers Day care centers Crisis intervention centers Class codes commonly written: 8832, 8836, 8837, 8861, 8864, 8868, 8869, 9059, 9101, 9110. Important: Residential facilities are excluded from this workers' compensation program. Coverage Highlights and Advantages PMC’s program gives agents access to market features suited to social service employers who need predictable, admitted coverage: Guaranteed-cost programs for budgeting and rate stability Admitted, A-rated carriers to satisfy regulatory and client expectations Underwriting flexibility for accounts with strong safety programs and favorable loss experience These features make the program a practical solution when clients are having trouble finding competitive admitted workers' compensation terms in standard markets. Underwriting Notes and Minimum Premiums To submit an account for consideration, include the following documents: Completed workers' compensation application 3–5 years of currently valued loss runs MOD (experience modification) sheet Completed supplemental application The program has a minimum premium that starts at $7,500. Accounts with documented safety protocols, loss-control initiatives, and clean loss histories will receive the most favorable underwriting consideration. Territories and Availability This program is available in the following territories: AL, AK, AZ, CA, CT, DE, HI, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WY. Contact PMC Insurance Group for any state-specific eligibility questions or to confirm availability in a particular jurisdiction. Why Work With PMC Insurance Group? PMC is a wholesale broker focused on workers' compensation programs for niche industries. Working with PMC provides retail agents access to admitted carriers and program underwriting that may not be available through direct channels. Key strengths include: Deep experience placing social service and human services classes Relationships with A-rated, admitted carriers that prioritize these niches Responsive underwriting and placement support for complex or underserved risks Whether you represent a small nonprofit counseling center or a regional vocational rehabilitation provider, PMC can help you secure admitted workers' compensation coverage that fits the client's operations. Example Account Scenarios You have a nonprofit counseling agency with multiple off-site counselors and a clean five-year loss history — PMC can help place this account on an admitted, guaranteed-cost program with competitive terms. An urban day care center seeks admitted coverage but has had difficulty in standard markets — this program can consider the account when loss runs and safety protocols are provided. Frequently Asked Questions What types of accounts are a good fit for this program?Counseling centers, day cares, drug and alcohol rehab facilities, vocational rehab services, sheltered workshops, and similar social service agencies are good candidates—especially those with favorable loss histories and safety programs. Are residential facilities eligible for this program?No. Residential facilities are excluded from this workers' compensation program. What submission documents are required?Submit a completed WC application, 3–5 years of currently valued loss runs, a MOD sheet, and the program supplemental application for underwriting review. What is the minimum premium for this program?The minimum premium starts at $7,500, though final pricing depends on state, class codes, payroll, and loss history. Is this program available nationwide?The program is available in the states listed above. Contact PMC Insurance Group to confirm availability or to discuss an account in a specific jurisdiction. Need help placing an account? Connect with a market specialist.

Phoenix Risk Management (PRM), in partnership with Intercare Specialty Risk and SeaBright Insurance Company, offers a comprehensive nationwide Workers’ Compensation program tailored specifically for Social Services and Healthcare Facilities. This exclusive program is designed to serve the unique needs of organizations that support vulnerable populations through residential care, adult day care, and social rehabilitation services. Overview of the Program From Phoenix Risk Management This Workers’ Compensation program is built for agents and brokers seeking reliable, flexible markets for social service organizations. PRM leverages its deep understanding of the social services sector and works with top-tier partners to deliver robust coverage options. The program is backed by SeaBright Insurance Company and offers competitive commission structures and a variety of rating plans to suit different client needs. Ideal Accounts and Appetite PRM’s Social Services Workers Compensation Insurance program targets a wide range of social service providers. Eligible accounts include: Adult day care centers Residential care facilities for children Adult social rehabilitation programs This program supports the following class codes: NCCI Codes CA Codes 8868/9101 Adult day care - only 8868 8842 Residential care facilities - children 8823 8842/8864 Social rehabilitation for adults 8804 Coverage Highlights and Advantages This program offers agents the flexibility to match their clients’ needs with cost-effective and scalable coverage solutions. Key features include: Guaranteed cost options Retrospective rating plans Dividend plans Deductible rating plans These options allow agents to offer tailored solutions that can help control workers' compensation costs while maintaining robust protection for employees. Underwriting Notes PRM and its partners take a thoughtful underwriting approach based on deep industry knowledge. While there is no published minimum premium, underwriters focus on accounts that demonstrate a commitment to safety and risk management. Submissions should include detailed operational information to expedite quoting and ensure accurate pricing. Territories and Availability This program is written on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents can confidently write business nationwide, including in challenging jurisdictions that require specialized expertise to navigate. Why Work With Phoenix Risk Management? As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Phoenix Risk Management offers unmatched access to specialized markets and underwriting expertise. Their partnership with Intercare Specialty Risk and SeaBright Insurance Company ensures a high level of service, claims handling, and program stability. Whether you’re placing a single facility or managing a portfolio of social service organizations, PRM delivers responsive support and customized solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for adult day care centers, residential care facilities for children, and adult social rehabilitation services. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis. What kind of rating plans are offered?The program offers guaranteed cost, retrospective rating plans, dividend plans, and deductible rating options. Do you require a minimum premium?There is no published minimum premium, but underwriting prioritizes well-managed risks with appropriate documentation. Who is the carrier backing this program?The program is backed by SeaBright Insurance Company, in partnership with Intercare Specialty Risk. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a focused Social Services Insurance Program built for the complex needs of non-profit human services providers. This market is designed for retail agents and brokers placing clients involved in behavioral health, rehabilitation, counseling, adult day care, and community-based services who need both professional and operational liability protection. Target classes include substance abuse rehabilitation clinics, alcohol and drug treatment centers, adult day care facilities, behavioral and mental health organizations, community service nonprofits, family and individual counseling services, and crisis intervention centers. These organizations commonly face a mix of professional liability and general liability exposures as well as operational risks such as abuse allegations, property loss, and employee injuries. Coverage Highlights and Advantages Comprehensive package options that combine professional liability with general liability Optional coverages for employee benefits liability and directors & officers (D&O) liability Sexual abuse and molestation coverage available — a critical component for many social services providers Property, crime/fidelity, commercial auto, umbrella, and workers’ compensation available through the program Underwritten with capacity from AIG, a financially strong carrier with deep experience in the human services sector Ideal Accounts and Appetite Smith Bell & Thompson partners with agents who represent licensed or accredited non-profit social service organizations. The program prefers accounts with structured operations, documented policies, and staff training programs. Typical fits include: Outpatient clinics providing behavioral or mental health services Community counseling centers that serve at-risk populations Adult day care programs with organized activities and trained staff Non-profits with active risk management, background checks, and ongoing staff supervision Generally unsuitable accounts include facilities that provide inpatient medical services or operations with significant unresolved loss history. However, each submission is evaluated individually. Underwriting Notes and Premiums This program is placed on a non-admitted basis through AIG, allowing flexible terms and tailored solutions. Quotes are risk-based and take into account exposures, services provided, and the insured’s risk management practices. For streamlined underwriting, agents should be prepared to submit a completed application, five years of loss runs, and copies of relevant licenses, certifications, or accreditations. Territories and Availability The Social Services Insurance Program is available in all 50 states and the District of Columbia, including major markets such as California, Texas, Florida, and New York. Broad geographic availability helps you place multi-state and regional non-profit risks with confidence. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines program administration expertise with direct access to AIG capacity, delivering underwriters who understand the unique exposures of social services providers. Agents can expect responsive underwriting, customized packages, and a willingness to consider a variety of non-profit structures. Whether you are placing a small community counseling center or a larger regional rehabilitation program, SBT focuses on long-term broker relationships and service-oriented account handling. Frequently Asked Questions What types of accounts are a good fit for this program?Non-profit organizations that provide behavioral health, rehabilitation, counseling, or adult day care services are ideal—examples include outpatient clinics, community service providers, and crisis centers. Is this program available in all states?Yes. The program is available in all 50 states and the District of Columbia. What coverages are included in the Social Services Program?Available coverages include professional and general liability, sexual abuse/molestation, employee benefits liability, property, crime/fidelity, commercial auto, umbrella, directors & officers liability, and workers’ compensation. Who underwrites this program?The program is written on a non-admitted basis with capacity provided by AIG, a carrier experienced in social services risks. What information should I include with a submission?Provide a completed application, five years of loss runs, and any applicable licensing or accreditation documents to help expedite the underwriting review. Need help placing an account? Connect with a market specialist.

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

Group Homes Insurance — AFC Insurance Inc. Group Homes Insurance is part of AFC Insurance Inc.'s Human & Social Services Insurance Program. This specialized program is designed for small residential facilities that provide supervised living environments for individuals who require mental, emotional, behavioral, or physical support. Whether you represent a home for at-risk youth or a residence supporting adults recovering from traumatic brain injuries, AFC offers tailored insurance solutions to protect operations, staff, and residents. Ideal Accounts and Eligible Classes This program targets group homes and small residential care facilities that need specialized coverage to address caregiving, medical oversight, and community integration risks. Target classes include: Developmentally disabled residents Youth at risk Mental health facilities Alcohol & drug rehabilitation centers Homes for boys and girls Traumatic brain injury (TBI) support homes All age groups Typical fits are licensed residential homes, nonprofit group homes, and small for-profit facilities with documented staffing, training, and risk management procedures. Accounts that lack licensing, proper staff qualifications, or sound risk controls are less likely to qualify. Coverage Highlights and Advantages AFC’s package is built to cover both everyday exposures and higher-severity risks common to group homes. Available coverages include: Package policies combining multiple lines General liability and professional liability Endorsements that name volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage endorsements with blanket additional insured Umbrella liability to increase limits Property coverage for buildings and contents Commercial auto (subject to restrictions) Abuse & molestation coverage These coverages help agents place accounts where exposures range from slips and falls to allegations of malpractice or misconduct. The program’s endorsement options provide flexibility for nonprofit volunteers, transient staff, and third-party contractors. Underwriting Notes and Minimum Premiums Underwriting focuses on the facility’s licensing, staff training, supervision levels, medication handling, incident reporting, and overall risk management. AFC evaluates each submission on its merits and may request documentation such as licenses, staff rosters, training records, policies and procedures, and incident logs. Minimum premiums vary by state, size of operation, services provided, and risk characteristics. Work with AFC’s appointed agents to confirm minimums and available options for a given account. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. AFC offers admitted solutions in many states—contact AFC for state-specific availability and any restrictions. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a program administrator with deep experience in human and social services lines. Agents benefit from a responsive underwriting team, flexible program design, and access to multiple carriers tailored to niche social service risks. AFC has a strong appetite for group homes and related organizations and works with brokers to place challenging or specialized risks. Example Account Scenarios You have a licensed nonprofit group home serving adults with developmental disabilities that needs combined general and professional liability with abuse & molestation limits — AFC’s package options can be structured to include those exposures. You represent a small residential program for at-risk youth with volunteers and contracted therapists — AFC’s endorsements for volunteers and independent contractors help extend coverage where needed. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for residential group homes serving developmentally disabled individuals, at-risk youth, those in drug or alcohol rehabilitation, and clients with traumatic brain injuries. Is this program available in all states? The program is available in most states, including CA, TX, FL, NY, and many others. Check with AFC Insurance Inc. for specific state eligibility and any restrictions. What coverages are included in the program? Coverage options include General & Professional Liability, Property, Umbrella, Auto (with some restrictions), Abuse & Molestation, and endorsements for key employee replacement and volunteers. Do group homes need to be licensed to qualify? Yes. Facilities should be properly licensed and demonstrate risk management practices to be eligible for coverage through this program. Who underwrites the policies offered in this program? AFC Insurance Inc. works with a variety of carriers to underwrite this program. Carrier selection may vary by risk profile and location. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance program designed for health care and social service facilities. This program is ideal for agents and brokers seeking coverage solutions for halfway houses that provide voluntary outpatient services or temporary stays. With access to both admitted and non-admitted markets, Colonial General can tailor coverage to meet the unique exposures faced by these facilities. Ideal Accounts and Appetite This program targets halfway houses and transitional living facilities that operate within a structured framework and provide services such as rehabilitation, counseling, or community reentry support. Eligible operations typically offer outpatient treatment, temporary residential stays, or social services in a regulated environment. Examples of good-fit accounts include: A nonprofit halfway house providing addiction recovery and counseling services for adult men. A transitional facility assisting recently released inmates with job placement and reintegration programs. Coverage Highlights and Advantages Agents can access comprehensive coverage on a mono-line or package basis, with flexible limits and optional endorsements tailored to the needs of halfway houses. Key coverages include: Primary Limits up to $3,000,000 Occurrence/Aggregate Errors and Omissions Coverage Medical Payments Coverage – $5,000 Limit Hired and Non-Owned Auto Liability Sexual and Physical Abuse Coverage – Limits up to $25,000 per claim / $50,000 aggregate (higher limits available) Crime Coverage (optional) Property Coverage (optional) Additional Interests – $100 Each Packages can include: Professional Liability General Liability Abuse and Molestation Coverage Property Insurance Hired and Non-Owned Auto Underwriting Notes and Deductibles Minimum deductible starts at $500, with additional deductible options of $2,500 and $5,000 available based on underwriting. Premiums vary depending on facility size, class, and services offered. Both lower and higher limits may be available with carrier approval. Territories and Availability This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Access to some admitted markets is available depending on the risk and location. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty risks. Their strong relationships with various carriers, combined with a deep understanding of healthcare and social service risks, make them a valuable partner for agents placing halfway house accounts. You’ll benefit from responsive service, underwriting expertise, and tailored coverage solutions that protect your clients and strengthen your portfolio. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for halfway houses and transitional living facilities offering outpatient services, temporary housing, or social rehabilitation programs. Are both property and liability coverages available?Yes, coverage can be written on a mono-line or package basis, with options for property, general liability, professional liability, and more. What is the minimum deductible for Errors and Omissions coverage?The minimum deductible is $500, with higher deductible options of $2,500 and $5,000 available based on underwriting. Is coverage available in admitted markets?Some admitted markets are available depending on the risk profile and location of the insured operation. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Irwin Siegel Agency (ISA) offers a specialized Behavioral and Mental Healthcare Providers insurance program designed to meet the unique risks faced by organizations offering psychiatric, psychological, and counseling services. Written through CHUBB®, this comprehensive program supports both residential and outpatient care providers with tailored coverage, dedicated claims handling, and expert risk management services. Whether your client operates a group home, crisis hotline, or outpatient counseling center, ISA's program delivers broad protection so your insureds can focus on their core mission—supporting mental health and emotional wellness. Ideal Accounts and Eligible Classes This program is ideal for nonprofit and for-profit organizations providing behavioral and mental health services in both residential and outpatient settings. Common eligible classes include: Behavioral Health Facilities (inpatient and outpatient) Counseling Services and Crisis Hotlines Psychiatric Rehabilitation Services Group Homes and Halfway Houses Eating Disorder Counseling Marriage and Family Counseling Emergency Shelters for Mentally Ill Individuals Support Groups and Referral Services Suicide Prevention and Telephone Counseling Centers Coverage Highlights Package Coverage Includes: Abuse and Molestation General Liability Professional Liability Property Crime Inland Marine Business Auto Umbrella Enhancements & Supplements: Umbrella & Abuse Coverage Capacity Options Directors & Officers (D&O) / EPLI Cyber & Privacy Liability HIPAA Protector Volunteer Accident Coverage Property Enhancements Special Events Coverage Underwriting Considerations Minimum premium varies based on class and exposure, and submissions are evaluated case by case. ISA works closely with agents to assess risk and tailor coverage accordingly. Strong documentation, safety protocols, and staff training can support favorable underwriting outcomes. Nationwide Availability This program is available on an admitted basis in all 50 states plus Washington, D.C. ISA provides consistent underwriting and program support regardless of location, helping agents serve clients across state lines. Why Place Your Behavioral Health Accounts with ISA? As a Program Administrator with decades of experience in human and social services, Irwin Siegel Agency understands the nuanced risks behavioral health providers face. ISA goes beyond coverage by offering personalized risk management resources, industry-specific insights, and responsive claims coordination. With CHUBB® as the carrier partner, you can place your accounts with confidence knowing they are backed by financial strength and a commitment to service. For more information about insurance programs for Behavioral and Mental Healthcare Service Providers, give us a call today at 800.622.8272 or visit the program page of our website, http://www.siegelagency.com/insurance-programs/behavioral-mental-healthcare/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for behavioral health organizations such as group homes, counseling centers, psychiatric rehabilitation services, and crisis intervention providers. Is the program available in all states?Yes, the Behavioral and Mental Healthcare Providers program is available on an admitted basis in all 50 states and Washington, D.C. Which carrier underwrites this program?The program is written through CHUBB®, offering strong financial backing and a reputation for claims excellence. What is the minimum premium for this program?Minimum premiums vary depending on exposure, location, and type of services provided. ISA evaluates each submission individually. Can this program cover special events or volunteers?Yes, optional enhancements are available for special events and volunteer accident protection, among other coverage extensions. Need help placing an account? Connect with a market specialist.

Products Recall Insurance Products Recall Insurance from Alexander J. Wayne & Associates, Inc. is tailored to help agents place coverage for clients facing the complex and costly risks associated with product recalls. Whether your insured is a manufacturer, distributor, or brand owner, our program provides essential protection against both first-party and third-party recall exposures. Overview of the Program From Alexander J. Wayne & Associates, Inc. Product recalls can significantly impact a company's finances and reputation. Our Products Recall Insurance program is designed to cover critical costs incurred during a recall event. This includes customer notification, shipping and disposal of defective products, extra warehousing, staffing for recall efforts, and the expense to replace, refund, or repair the affected products. The program may also include coverage for income loss and brand rehabilitation, depending on underwriting. Alexander J. Wayne & Associates, Inc., a trusted wholesale broker, works with select U.S. carriers and Lloyd’s of London to provide customized solutions for hard-to-place risks. We specialize in helping agents access competitive recall coverage that many standard markets decline to write. Ideal Accounts and Appetite This program is suitable for insureds who sell finished goods under their own label, particularly those who rely on third-party manufacturers or distributors. These clients are often exposed to both first-party and third-party recall liabilities. We welcome submissions from a wide range of industries, including but not limited to: Food and beverage producers Consumer electronics and household appliances Industrial components and machinery Children’s products and toys Automotive parts and accessories You might have a client who imports private-label kitchen appliances sold through national retailers, or a regional food processor distributing under multiple brand names. These are excellent candidates for our program. Coverage Highlights and Advantages The policy typically offers two parts: Part I – First-Party Expenses: Includes costs such as recall notifications, shipping, disposal, warehousing, temporary staffing, income loss, and brand rehabilitation. Part II – Third-Party Liability: Covers damages or losses suffered by downstream customers or third parties as a result of the defective product. Coverage can be selected for Part I only, Part II only, or both, depending on the client’s operational needs. Please note, the policy does not respond to governmental sanctions or regulatory fines. Underwriting Notes and Minimum Premiums Our underwriting team evaluates each risk based on the type of product, distribution chain, recall history, and risk management practices. While minimum premiums vary by risk class and carrier, we focus on delivering solutions for tough-to-place accounts that fall outside of standard underwriting guidelines. Territories and Availability This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted coverage is available in select states; otherwise, coverage is written on a non-admitted basis through domestic and London markets. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience serving the wholesale insurance market, Alexander J. Wayne & Associates, Inc. is your go-to partner for specialized recall coverage. We bring deep product knowledge, strong carrier relationships, and responsive service to help you place challenging accounts efficiently. Let us help you deliver peace of mind to clients concerned about the financial and reputational impact of a product recall. Call us today and ask how Alexander J. Wayne & Associates can help you with your hard-to-place Products Recall Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and private-label brand owners in industries such as food and beverage, electronics, toys, and industrial equipment. Can my client choose between first-party and third-party coverage?Yes, the insured can select Part I (first-party), Part II (third-party), or both, depending on their specific exposure and needs. Is this program admitted or non-admitted?The program is available on an admitted basis in some states, while other placements are written through non-admitted domestic and London markets. Does the policy cover fines from government agencies?No, the policy does not cover sanctions or fines levied by government or regulatory agencies. What information is needed for underwriting?Underwriters typically require product details, distribution methods, recall history, and current risk management practices to assess the account. Need help placing an account? Connect with a market specialist.