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Addiction Treatment Centers & Sober Living Facilities

Addiction Treatment Center

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. 


Key Coverages

General Liability

  • Comprehensive General Liability  

  • Premises Liability

  • Volunteers as additional insureds

  • Personal Injury Liability

  • Coverage for fundraising events

  • Employee Benefits Liability

Professional Liability

  • Occurrence or claims-made forms available

  • Primary Psychiatrist coverage can be provided for employed psychiatrists

  • Contingent, Vicarious Liability for employed and volunteer physicians

  • Primary Professional Liability for employed and volunteer physicians and dentists while employment is available.


  • Blanket limits with large in-house capacity

  • Special Causes of Loss coverage on buildings, contents, business income, and extra expense

  • Water backup of sewers, drains, or dumps

  • Sign coverage

  • Glass coverage

  • Ordinance or Law coverage - included up to building limit

  • Spoilage coverage

  • Agreed Amount endorsement available with property appraisal


  • Owned/non-owned/hired auto

  • Employee, Volunteers, and Insureds coverage

  • Hired Car Physical Damage

  • Rental reimbursement for private passenger vehiclesUmbrella/Excess Liability

  • Large Excess Limits available

Crime and Fidelity

  • Forgery or Alteration

  • Theft, Disappearance, and Destruction

  • Employee Dishonesty (Blanked Fidelity)

Umbrella/Excess Liability

  • Large Excess Limits available

Directors and Officers Liability

  • Defense costs in addition to the Limit of LIability

  • Most favorable venue wording for punitive, multiple, or exemplary damages

  • Third Party Liability Coverage

Additional Endorsements Available

  • Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement.

Risk Management Services

  • Product specific web-based Risk Management Services solutions.

  • Free online interactive Defensive Driver Training course and examination

  • Regular e-flyer communications on current Risk Management Services issues and Large Loss Lessons Learned

  • Strategic partnership with best-in-class vendor for discounted background & motor vehicle record (MVR) checks

Please contact Brian K. Walker for more information by calling 602.443.7665 or emailing

Our Location

Horizon Insurance Agency, LLC

7500 N Dreamy Draw Dr, Ste 100
Phoenix, AZ 85020
Main office: 602-992-9750
Toll free: 800-328-6770

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.