If your organization provides outpatient mental health or allied health services, please complete the application below. If you have formed a corporation, it is important the corporate name is protected under your insurance policy.
Your policy can be effective as early as the day we receive your application and we will underwrite and process a quote within 48 hours. Payment is due within 30 days of your effective date.
NEW CUSTOMERS: Submit your application ONLINE! Click here to begin.
Whether you operate a one-person LLC or large corporation, it’s important to adequately cover your business entity with corporate coverage.
Why do one-person businesses need to apply for corporate coverage?
If a claim or lawsuit arises from your professional services, it’s possible for your business entity to be named in the lawsuit. An individual policy will not provide any coverage for your business entity for claims, incidents, or lawsuits arising from your professional services.
Will a policy under my individual name cover my business if I’m the sole owner?
No, an individual policy will only cover you as an individual provider and does not cover your business entity, even if you are the sole owner or employee.
Can I simply add my business as an additional insured on my individual policy?
No, you cannot add a business entity you own or operate as an additional insured. You must upgrade your policy from individual to corporate coverage in order to appropriately cover your business entity.
Will having corporate coverage change my premium?
Corporate coverage is rated differently than individual coverage, but does not always guarantee there will be an increase. Your corporate application is subject to underwriting review.
General Liability Coverage
Limits of Liability: $1,000,000 each occurrence / $3,000,000 aggregate
Also known as “Slip and Fall” or “Premises Liability” coverage.
Bodily Injury & Property Damage Liability (for damage to the premises rented to you)
Host Liquor Liability
$250,000 for Fire & Water Legal Liability (damage to the rented premises)
Business Personal Property Coverage*
Limits of Liability: $15,000
This covers damage to your property and property of others that is in your care, custody or control.
$50,000 Identity Theft Expense
$50,000 Emergency Real Estate Consulting Fee
$25,000 Temporary Meeting Space Reimbursement
$50,000 Workplace Violence Counseling
$50,000 Image Restoration and Counseling AND MORE…
*Property coverage not available in Florida
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.