Mental Retardation & Developmental Disabilities
An affinity for people who aid individuals with special needs.
Your highly skilled nurses, social workers, counselors and housing staff mean the world to those with special needs — and their families.
Your workers are the difference between being in an institution and living in mainstream society.
In the course of their day there are moments to be savored and there can be setbacks.
If an unhappy parent and their attorneys file suit, you are bound to wonder — do I have the right insurance coverage?
That is why it’s wise to spend the time now reviewing your insurance and making sure your policies are tailored to your unique exposures.
Which is one of the major advantages to Affinity Healthcare’s MRDD insurance program — it was designed specifically to meet the needs of your business.
For example, malpractice insurance for doctors and psychiatrists is expensive and can be difficult to obtain. Under some contracts such risks are excluded.
With our MRDD program you need not worry. You are fully covered if you or your business is named in a suit due to the negligence of a treating professional such as a physician or psychiatrist.
Coverage Highlights
Professional Liability (Malpractice) Insurance
- Occurrence or Claims-made forms*
- Up to $5,000,000/$5,000,000 limits available
- Legal defense costs paid over and above policy limits
- Sexual abuse and molestation covered up to $3,000,000 limits
- Employees and volunteers included as named insureds
- Individuals or entities protected:
- Owner and/or Entity(ies)
- Subsidiaries – Insured’s interest 51% or greater
- Employees and volunteers included as insureds
- Coverage available for the following professionals:
- Psychologists
- Counselors
- Nurses
- Social workers
- Coverage for psychiatrists, nurse practitioners and other medical doctors may be available
General Liability Insurance
- Occurrence or Claims-made
- Up to $5,000,000/$5,000,000 limits available
- No deductible or options as low as $1,000
- Contractual Liability
- $100,000 Fire Legal Liability
- Employee Benefits Liability (Claims-made only)
- Employers Hired and Non-owned Auto
- Up to $1,000,000 combined single limit per accident available
Property
- Electronic Data Processing
- Miscellaneous articles
- Accounts receivable
- Valuable papers
Crime
- Employee Theft
- Forgery or alteration
- Inside premises theft of money and securities
- Outside the premises theft
- Inside premises robbery (burglary)
Application Underwriting Guidelines
To complete the underwriting process, you will need to provide the following:
- Brochure, advertising materials and/or web site
- Loss history
- Owner's resume
- Previous insurer declaration page if requesting claims made coverage
- Copy of current facility license
*Professional liability occurrence coverage may not be available for all accounts
