Substance Abuse Facilities

An affinity for people who save people.

Helping people stay clean and sober or kick their addiction is a noble profession. Your case workers, counselors and professionals are not only rescuing the substance abuser — they are saving spouses, children, families and jobs.

With an estimated 20% of substance abusers able to return to work and function normally, you experience both success stories and frustrations.

Should an unhappy patient and their attorneys file suit, you are going to become very conscious of just what your professional liability insurance is worth. Just what will it pay — and exclude?

It’s at the point of a claim business owners discover the value of having a specialty broker like Affinity Healthcare who has tailor made your policy for a Substance Abuse facility.

For example, malpractice insurance for psychiatrists and physicians is expensive and can be difficult to obtain. Under some contracts such risks will be excluded.

With the Substance Abuse insurance program if you or your business is named in a suit due to the negligence of a treating professional such as a doctor or psychiatrist you are fully covered.

Your best defense against lawsuits.

Over 20 million Americans are classified with alcohol and drug dependency each year. More than 9% of whom seek counseling and/or treatment for substance abuse.

Even with all of the help available, substance abuse still accounts for 1 in 4 deaths in the United States each year.

Such serious consequences can involve litigation for a Substance Abuse facility.

A patient can go to an attorney and sue simply because they feel they’ve had an unsatisfactory experience. Their claim may not meet the legal definition of malpractice and be thrown out in court — but you are still forced 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


  • Electronic Data Processing
  • Miscellaneous articles
  • Accounts receivable
  • Valuable papers


  • 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

Request Rate Quotation

*Professional liability occurrence coverage may not be available for all accounts