Human Services and Behavioral Health

An exclusive product tailored to the unique needs of human services and behavioral health organizations.

Backed by leading “A” rated specialty E&S carriers, and accessed exclusively through Amwins Brokers, this product delivers stable, scalable Professional Liability and General Liability capacity with dedicated Sexual Abuse & Molestation (SAM) limits, as well as HNOA and Umbrella/Excess Liability to a broad range of classes.

With flexible deductible options, specialized class-based endorsements, and comprehensive financial underwriting review, this program provides structured, long-term capacity for complex exposures.

 

Coverage Highlights

  • Defense Inside the Limits (Defense Outside the Limits considered case-by-case)
  • Umbrella – case-by-case deployment
  • Special Events Endorsement available
  • Optional Extended Reporting Period
  • HIPAA Coverage available
  • Coverage included for Employees, Independent Contractors and Volunteers
  • Employed/Contracted Physician Coverage Available, Vicarious Liability available
  • Flexible deductible/SIR options available

 

Available

  • PL/GL: Up to $1M/$3M, higher limits available upon request
  • SAM: $1M/$1M limits Up to $1M/$3M
  • HNOA: Up to $1M CSL
  • Umbrella: Up to $5M (select risks)
  • Can sit over GL/PL/Abuse/Auto/EL/EBL

 

How to Access

To learn more or submit an account, contact your Amwins Professional Lines broker or email teamcarlson@amwins.com. You can also complete this form and someone will be in touch.

 

Eligible Classes

  • Non-profit (and For- Profit) Human/Social Service Organizations
  • Adult and youth residential treatment facilities
  • Adult Day Care
  • ABA Therapy
  • Foster Care & Adoption (Residential OR Placement-only)
  • Group Homes for the intellectually and developmentally disabled
  • FTCA/FQHC clinics
  • Residential Treatment Centers - Inpatient/Outpatient
  • Daycare Facilities including Montessori Schools, Head Start Programs
  • Substance Abuse and behavioral health treatment centers
  • Psychiatric Facilities - Inpatient/Outpatient
  • At-Risk Youth Programs
  • Crisis and Information Hotlines/Suicide Hotlines
  • Detoxification centers and rehab centers
  • Home Healthcare and Hospice – skilled and non-skilled
  • Life Skills Training/Career Counseling
  • Methadone Clinics
  • Parenting Education Programs
  • Halfway Houses
  • Large Homeless Shelters