Addiction Treatment Centers & Sober Living Facilities

Addiction Treatment Center

A sober living facility is a business and, therefore, needs proper insurance. Such facilities include sober living homes, transitional living and halfway houses. These places offer support during every step of substance abuse treatment and recovery—and can be a critical step as someone returns to their job, home and family. 

Standard homeowners or landlord insurance don’t cover sober living facilities, so tailored insurance is necessary to safeguard against potential claims and keep your business open for people who count on it.  

What Does Insurance Cover? 

Sober living operators have unique exposures for insurance, so choosing the right insurance policy is crucial. Horizon Insurance Agency can help you identify potential exposures to ensure your business is fully protected as your offer support and cultivate a culture of sobriety. 

Comprehensive coverage may include the following: 
General liability 
Professional liability 
Sexual and physical abuse liability 
Business personal property 
Auto liability 
Cyber insurance 

Horizon Insurance Agency offers insurance packages for Addiction Treatment Centers and Sober Living Facilities which are uniquely designed to fulfill a wide range of special needs for the professional Substance Abuse Rehabilitation Facilities sector. Each policy is custom-tailored to address each insured's exposures. We offer separate limits for general liability, professional liability, and abuse & molestation. In addition, we offer a separate Directors & Officers Liability policy. 

Addiction treatment providers, mental healthcare facilities and their ancillary activities fall under the umbrella of behavioral healthcare. From intervention, crisis stabilization and detox facilities, through residential and outpatient treatment programs, to supported housing and sober living homes, these organizations and facilities are an integral part of the U.S. healthcare system, saving lives and benefiting society as a whole.  Our insurance program is specifically designed to provide the protection the behavioral healthcare sector requires to continue to do its work, and has been at the forefront of offering industry-specific coverages and risk management strategies.

Horizon Insurance Agency focuses on the behavioral healthcare industry. Our staff not only understands the complexity of the exposures this niche faces today, but we also have our pulse on how this sector is changing and expanding. This includes the impact of the Affordable Care Act, slated to provide more individuals with access to treatment while integrating behavioral and physical health; societal shifts about mental illness and addiction; the trend toward offering alternative solutions to incarceration; new treatment protocols and medications; and other factors bringing behavioral health issues into the national discussion. 

Many people and their loved ones in Arizona rely on your sober living facility. Protect them and your business with an online quote or call our experienced agents at 602-992-9750.