It is an insurance policy that protects the operations and activities of the drug rehabilitation center; general liability protection, property damage protection, professional liability, and several special protections designed to meet the requirements of the specific center dealing with rehabilitation services.

Coverage Details

General Liability:

Scope: Applies to third-party claims for injuries to persons or property caused while on the premises of the rehabilitation center or in connection with affairs of the center.

Limits: $1,000,000 per individual claim / $3,000,000 total claims.

Exclusions: Fraud, negligence, theft, vandalism, and all other actions that occur with intent to harm or with criminal intent. Intentional misconduct, criminal activities, and damage resulting from unapproved activities.

Professional Liability Coverage:

Scope: Protects against claims of negligence, errors, or omissions by licensed professionals providing drug addiction treatment, medical, psychological, or therapeutic care.

Limits: Up to $2,000,000 per claim / $5,000,000 aggregate.

Exclusions: Services provided by unlicensed staff, non-compliance with regulatory guidelines, and intentional harm.

Property Coverage:

Scope: Covers damage to the physical premises, equipment, and supplies due to covered events such as fire, theft, or natural disasters.

Limits: Replacement cost value up to $500,000.

Exclusions: Wear and tear, maintenance issues, and acts of war.

Workers’ Compensation Insurance:

Scope: Covers medical expenses, lost wages, and rehabilitation costs for employees injured while performing job-related duties in the context of drug addiction treatment services.

Limits: As mandated by [State/Local Regulations].

Exclusions: Injuries caused by employee intoxication or violations of safety protocols.

Policyholder Responsibilities:

• Ensure that all staff are appropriately trained, licensed, and certified in drug addiction treatment and rehabilitation.
• Maintain compliance with local, state, and federal regulations for drug rehabilitation centers.
• Report claims promptly and cooperate fully with the insurance provider during investigations.
• Implement reasonable safety and security measures, including fire safety protocols, CCTV surveillance, and secure storage of sensitive data.

Exclusions and Limitations:

This policy does not cover the following:

• Illegal activities or violations of law by the center or its staff.
• Claims arising from unreported incidents beyond the notification period.
• Damages caused by acts of terrorism or war.
• Pre-existing conditions are not disclosed during the underwriting process.

Claims Process:

• Incident Reporting: Notify the insurance provider within 48 hours of an incident.
• Documentation: Submit necessary documentation, including incident reports, medical records, and proof of loss.
• Assessment: The insurer will investigate and assess the claim within 14 business days.
• Resolution: Approved claims will be settled within 30 business days of approval.

Policy Renewal and Termination:

• Renewal: Policies must be renewed annually. Renewal notices will be sent 30 days before the expiration date.
• Termination: Either party may terminate the policy with a 30-day written notice, subject to regulatory compliance.
• Non-Renewal: The insurer reserves the right not to renew the policy for reasons such as non-payment of premiums or significant changes in risk profile.

Note: This document is a summary of the insurance policy. The full terms, conditions, and exclusions are outlined in the official policy document provided upon purchase. In case of discrepancies, the official policy document prevails.