INDUSTRIES · BEHAVIORAL HEALTH
Coverage for care that happens around the clock.
Residential treatment, addiction recovery, and outpatient behavioral health providers with 24/7 staffing.
PHOTO PLACEHOLDERB+W, DUOTONE · BEHAVIORAL HEALTH
THE BEHAVIORAL HEALTH STACK
What companies like yours usually carry.
E&O / professionalProfessional liability for clinical and counseling care$1M / $3MREQUIREDWorkers' compPatient restraint and de-escalation injuriesStatutoryREQUIREDBOP / general liabilityFacility liability with abuse and molestation coverage$1M / $3MREQUIREDCyber liabilityProtected health and 42 CFR Part 2 records$1MRECOMMENDEDEmployment practicesStaffing, overtime, and termination claims$1MRECOMMENDEDMedical, dental, visionRetaining licensed clinicians—RECOMMENDEDCommercial autoClient transport$1M CSLCONSIDER
- 01Specialized marketsAccess to carriers that write behavioral health.
- 0224/7 shift compPay-as-you-go comp across every shift.
- 03Clinician benefitsPlans that compete with hospital systems.
TOP RISKS WE PLAN FOR
- 01Restraint and de-escalation injuries. Staff injuries are frequent in residential settings.
- 02Professional liability. Clinical and counseling services require specialty coverage.
- 03Sensitive records. 42 CFR Part 2 and HIPAA data raise cyber exposure.
BEHAVIORAL HEALTH QUESTIONS
- Is behavioral health hard to place?
- Fewer carriers write it. We work with specialty markets that do.
- Is client transport covered?
- We quote commercial auto for vans and staff driving clients.
YOUR PROGRAM AT A GLANCE
Every line a behavioral health company typically needs, on one application.
FINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers
HOW IT WORKS FOR BEHAVIORAL HEALTH
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write behavioral health risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- Carrier supplement
- ACORD 130
- ACORD 126
- ACORD 140
- Employee census + group application
- ACORD 127
- ACORD 129
DOCUMENTS
- Description of services
- Sample client contract
- Prior claims, if any
- Payroll by class code (from payroll)
- Loss runs, 3–5 years
- Current policy declarations
- Experience mod worksheet
- Revenue and operations description
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTCommercial crimeEmployee theft, fraud, and funds-transfer schemes
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
