Vocational Rehabilitation
An affinity for people who put people back to work.
Your occupational therapists, job counselors, case managers and physical therapists perform a vital role in the community.
They enable the disabled to walk again. They retrain injured workers, put them back to work, saving their dignity and their finances.
In the course of their duties there are triumphs and there are disappointments.
Should an unhappy client and their attorneys file suit, you are going to get a quick education in what your insurance program covers — and excludes.
When you choose the Vocational Rehabilitation insurance program provided by Affinity Healthcare, you can rest easy. Should a claim arise, you’ll discover the value of having a specialty broker who has tailor made your policy specifically for your business.
For example, let’s say you hire a physical therapist as an independent contractor who has their own professional liability insurance. You don’t inform us. Six months later they are involved in a lawsuit involving a client who is injured as a result of the IC’s technique. As their employer, you are named in the lawsuit as well.
Some insurers will exclude any employees they were not informed about. With the Vocational Rehabilitation program you receive coverage even for IC’s — and as you are held liable for the ICs actions — we will add them to your policy just like any other employee.
Protection when you need it most.
On average, 230,000 people with disabilities find employment each year with assistance from Vocational Rehabilitation agencies. While that may seem like a large number, the amount of individuals that use Vocational Rehabilitation services and fail to gain employment is much greater.
Of the 271,005 individuals with disabilities in 15 states monitored by the U.S. Rehabilitation Services Agency (RSA) 20% gained employment with the help of Vocational Rehabilitation agencies.
Sadly, some clients may sue just because they’ve had an unsatisfactory experience. Their lawsuit may not meet the definitions of negligence or malpractice, and oft times will be thrown out in court. But, each time you are sued you are forced to hire attorneys to defend yourself.
Today, even if you win a lawsuit, legal fees average $25,000. And if you lose, legal expenses can average $95,000.
With Affinity Healthcare’s Substance Abuse Facility professional liability insurance, win or lose, all your legal expenses like attorneys fees and court costs are paid over and above your policy limits. Meaning, you receive unlimited coverage for legal fees.
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
