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NIF Group Inc. offers a focused insurance program for drug and alcohol rehabilitation facilities that combines deep underwriting expertise with carrier capacity from Liberty Mutual Insurance. Designed for agents and brokers, this program provides flexible package solutions for inpatient detox centers, outpatient treatment clinics, sober living homes, residential detox facilities, and nonprofit or faith-based recovery programs. Policies can be tailored to the client’s operations and to include medical staff, volunteers, and independent contractors. As a program administrator, NIF Group Inc. provides agents direct access to broad coverages and responsive underwriting. The platform supports simple single-site placements as well as multi-location outpatient networks, and it is built to address the mix of general liability, professional liability, property, and specialty exposures that are common in behavioral health and substance-use treatment settings. Ideal Accounts and Appetite This program is designed for a wide range of drug and alcohol rehabilitation operations, including: Inpatient and outpatient treatment centers Residential detox facilities Sober living homes Nonprofit and faith-based recovery programs Typical fits include single-site nonprofit detox programs, multi-location outpatient counseling networks, and licensed sober living operations. Accounts with licensed clinicians, documented policies and procedures, and basic risk management practices are preferred. High-severity claims histories, unmanaged medication programs, or facilities operating outside state licensing norms may require additional review. Coverage Highlights and Advantages Package policies are available to combine core and specialty coverages for a coordinated solution. Core options include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Coverage Enhancements and optional modules can be added to reflect the account’s exposures, such as: Employee Benefits Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Directors & Officers Liability for nonprofits, including EPLI Policies can be structured to explicitly include volunteers, contractors, and licensed medical professionals so that individuals involved in patient care are covered under the program’s terms. Underwriting Notes and Minimum Premiums NIF Group’s underwriting team evaluates each submission to match coverages to the facility’s operations, staff mix, and risk controls. There is no minimum premium requirement, which allows placement of both small and larger accounts. Be prepared to provide client details such as licensing, staffing credentials, patient intake procedures, medication management protocols, and any prior claims history to accelerate review. Territories and Availability The program is available in most U.S. states (the company markets through admitted and non-admitted platforms depending on the state and risk characteristics). Coverage is not offered in Hawaii and Louisiana. NIF has placement experience in major markets including CA, TX, NY, and FL, and across many other states. Why Work With NIF Group Inc. NIF Group Inc. combines behavioral-health specialty underwriting with strong carrier relationships to simplify placement for agents and brokers. As a program administrator, NIF delivers focused intake, flexible policy design, and access to Liberty Mutual Insurance capacity—helping agents place complex rehab and recovery risks with clarity and speed. The underwriting team’s familiarity with nonprofit operations, volunteer programs, and licensed clinical services is a practical advantage when structuring coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for inpatient and outpatient rehab centers, residential detox facilities, sober living homes, and nonprofit recovery organizations with documented policies and standard clinical controls. Can this program cover medical professionals and volunteers?Yes. Policies can be structured to include coverage for licensed medical staff, volunteers, and independent contractors who participate in the facility’s operations. Is there a minimum premium requirement?No. There is no minimum premium, making the program suitable for both small single-site operations and larger multi-location networks. What states is this program available in?The program is available in most U.S. states (admitted or non-admitted as appropriate) with the exception of Hawaii and Louisiana. What carrier backs this program?NIF Group places this program with Liberty Mutual Insurance, providing established carrier capacity and underwriting support. Need help placing an account? Connect with a market specialist.

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.

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.

Smith Bell & Thompson, Inc. offers a specialized Social Services Insurance Program designed to meet the complex needs of non-profit organizations in the human services sector. This program is ideal for retail agents and brokers looking to place coverage for clients involved in behavioral health, rehabilitation, counseling, and community-based services. 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 often face a unique blend of professional liability and general liability exposures, along with operational risks like abuse allegations, property damage, and employee injuries. Coverage Highlights and Advantages Comprehensive package options including professional liability and general liability Coverage available 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 all available through the program Backed by AIG, a financially strong and experienced carrier in the human services space Ideal Accounts and Appetite Smith Bell & Thompson is looking to partner with agents who have clients operating in licensed or accredited non-profit social service sectors. Ideal submissions include: Outpatient clinics offering behavioral or mental health services Community counseling centers serving at-risk populations Adult day care programs with structured services and trained staff Organizations with a strong emphasis on risk management and staff training Less suitable accounts may include facilities with inpatient medical services or those with poor loss histories, but each submission is reviewed on a case-by-case basis. Underwriting Notes and Premiums This program is written on a non-admitted basis through AIG, allowing for flexible and tailored solutions. While minimum premium information is not listed, quotes are competitive and based on exposure, services offered, and risk management protocols. Agents should be prepared to provide a full application, loss runs, and relevant licensure or accreditation documents for a streamlined underwriting process. Territories and Availability The Social Services Insurance Program is available in all 50 states and the District of Columbia, including key markets like California, Texas, Florida, and New York. This broad geographic availability allows agents to confidently place risks across a wide client base. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson, Inc. has a deep understanding of the human services sector and builds long-term partnerships with retail brokers. As a program administrator with access to AIG, they offer customized coverage solutions, responsive underwriting, and a strong commitment to the unique mission of non-profit social service providers. Whether you're working with a small counseling center or a large regional rehab facility, you can trust SBT to help you place quality business. Frequently Asked Questions What types of accounts are a good fit for this program?Non-profit organizations providing behavioral health, rehabilitation, counseling, or adult day care services are ideal candidates. These 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?The program includes professional and general liability, sexual abuse/molestation, employee benefits liability, property, crime/fidelity, auto, umbrella, directors & officers liability, and workers’ compensation. Who underwrites this program?The program is underwritten on a non-admitted basis through AIG, a leading carrier with expertise in social services risks. What information is required for a submission?Agents should submit a completed application, five years of loss runs, and any applicable licenses or accreditation documents for their client. 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.

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.

Working on trucks and cars takes both skills and talent! Auto service garages and repair shops include auto parts stores, general automobile repair workshops, specialty repair shops and online/mobile repair operations. While each shop specializes in different services, they all share a common need: reliable Auto Workers Compensation coverage. As a wholesale partner, Keating offers the Auto Workers Compensation program to help you place coverage for shops with staff who handle heavy parts, lifts, tools and vehicles. A strong policy should cover medical care, rehabilitation and wage replacement while an injured employee recovers — and our markets can provide those core protections. Your client will need to make sure that their policy will be able to cover medical care costs, rehabilitation and can replace the lost wages until their employee returns. Keating can write Auto Workers Compensation for service and repair shops through several admitted carriers and markets. We can place accounts with exposures related to private passenger and commercial vehicles. Typical services we handle include collision repair, heavy truck service, mechanical work, painting, tire sales and service, and parts sales. Towing that is incidental to the business (generally under 25% of operations) can usually be considered. Program Features: • Auto Repair Shops • Oil & Lube Shops • Muffler Shops • Tire Shops Keating’s underwriting focuses on practical, industry-aware evaluations. We work with carriers that understand the unique hazards in automotive shops — from slips and strains to more serious shop accidents — and structure Workers Compensation limits and benefits to address those exposures. Our team helps you assemble the submission so underwriters can evaluate the account quickly and accurately. Ideal Accounts and Appetite Independent auto repair and collision shops with staffed mechanics Oil & lube, muffler and tire shops with standard service operations Shops performing mechanical, painting, welding or heavy truck service Operations with incidental towing under 25% of total business Coverage Highlights and Advantages Access to multiple admitted carriers familiar with shop exposures Policies that cover medical, rehabilitation and wage replacement needs Underwriters experienced with auto-related classifications and payroll spreads Ability to place both small garage risks and larger shops with commercial vehicle exposure Underwriting Notes and Minimum Premiums Typical submission requirements include operations description, payroll by class code, loss runs, and details on any towing or mobile services. Minimum premium for placement is generally $2,000. Accounts with frequent large losses, significant non-automotive operations, or towing that exceeds incidental levels may be outside appetite. Territories and Availability Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Keating places this program through multiple admitted carriers across these states. Why Work With Keating on Auto Workers Compensation Keating combines industry-focused underwriting with market access to admitted carriers that understand auto repair exposures. We move quickly on clear submissions, and our team can advise on classification splits, payroll reporting and common loss control recommendations that improve placement outcomes. Example scenarios You have a four-bay independent collision shop with six employees doing mechanical work, painting and limited towing under 20% — this is typically a strong fit for the program. You represent a multi-location tire and oil change operator with standardized procedures and modest payroll — Keating can help package the accounts for admitted carriers. Contact Keating for details on submission requirements, appetite nuances, and carrier options so you can place the right Auto Workers Compensation coverage for your clients. Frequently Asked Questions What types of auto shop accounts are a good fit for Keating’s Auto Workers Compensation program?Independent auto repair shops, collision centers, oil & lube shops, muffler and tire shops — especially those performing mechanical work, painting or heavy truck service with standard shop operations and payroll documentation. Is incidental towing acceptable?Yes. Towing that is incidental to the overall operation (generally under 25% of business activity) is typically considered. Higher towing exposure may require a different placement approach. What are the basic submission items underwriters will want?Underwriters generally ask for a detailed operations description, payroll by class code, current loss runs, and any safety or loss-control information about shop practices and equipment. What is the minimum premium and how are territories handled?Minimum premium is typically $2,000. The program is available through admitted carriers in the states listed above; availability can vary by carrier and state, so check with Keating on specific placements. Need help placing an account? Connect with a market specialist.

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.

Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers the Owner's Interest Insurance Package — a targeted program for owners of buildings that are vacant, under renovation or rehabilitation, or newly constructed. Tenants completing a tenant build-out in premises they do not own are also eligible. The program combines property and liability coverage tailored to construction, renovation and vacancy exposures faced by owners and developers. Overview of the Program From Atlantic Risk Specialists This package is designed for property owners who need short- to mid-term protection while buildings are vacant, being renovated, rehabilitated, or newly built. Coverage can include both property and commercial general liability (CGL) components with flexible policy terms. Atlantic Risk Specialists places this program through multiple markets and provides admitted placement where available plus excess & surplus lines access through ARS-Latiff when needed. Ideal Accounts and Appetite This program generally fits: - Owners of vacant commercial or mixed-use buildings - Owners managing renovation or rehabilitation projects - Developers and owners of new construction during the build phase - Tenants performing build-outs in non-owned premises who need project-specific protection Coverage Highlights and Advantages - Property and liability coverage available in a single package - Property limits up to $8,000,000 - General liability limits up to $1,000,000/$2,000,000 with excess limits available - First-dollar CGL available for qualifying accounts - Policy terms flexible from 3 months up to 18 months to match construction or renovation schedules - Tenant build-outs can be written to include the owner of the premises as an additional insured Underwriting Notes and Minimum Premiums Underwriting requires that the owner engage a professional general contractor who carries commercial general liability through an acceptable carrier, with limits at least equal to those provided by this package. The general contractor must name the owner as an additional insured and agree to hold the owner harmless. Minimum premium and final terms vary by state, project scope, and carrier appetite. Territories and Availability Available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where admitted markets are available; ARS-Latiff provides excess & surplus placement when required. Carriers vary by submission and state. Why Work With Atlantic Risk Specialists on Owner's Interest Business As a general agency and E&S broker, Atlantic Risk Specialists/ARS-Latiff blends admitted market access with surplus lines flexibility. Their Owner's Interest package is underwritten for construction and renovation exposures and supports short-term policy periods common to project schedules. You’ll get streamlined placement options for mixed property/liability needs and the ability to pursue higher property limits and excess liability when required. Example Accounts - A landlord renovating a two-story mixed-use building who needs property and CGL coverage for a 12-month rehab project and wants the contractor named as required by lease agreements. - A tenant completing a tenant build-out in a downtown storefront who requires project-specific liability and needs the building owner added as an additional insured. Frequently Asked Questions What types of accounts are a good fit for the Owner's Interest Insurance Package?Owners of vacant properties, buildings under renovation or rehabilitation, new construction projects, and tenants performing build-outs are primary fits. The program is intended for short- to mid-term project exposures where combined property and liability protection is needed. Is a general contractor required?Yes. The owner must engage a professional general contractor who carries acceptable commercial general liability insurance. The contractor must name the owner as an additional insured and agree to hold the owner harmless. What limits and policy terms are available?Property limits are available up to $8,000,000. CGL limits are available up to $1,000,000/$2,000,000 with excess capacity available. Policy terms range from 3 to 18 months to match project timelines. Which states are eligible and how is coverage placed?The program is available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where markets allow and uses ARS-Latiff's excess & surplus capabilities when needed. Final placement depends on state rules and carrier appetite. Need help placing an account? Connect with a market specialist.