Treatment Facility Insurance
Insurance Built for the Risks of Treatment Facilities
Treatment facilities carry serious responsibility for the people they serve. We help mental health, addiction recovery, behavioral health, and social service providers protect their organizations with insurance built around their actual services, staff, clients, facilities, and changing risks.
Treatment Facility Expertise
An outpatient counseling center does not have the same risks as a detox program, residential facility, or sober living home. We look closely at who you serve, the care you provide, your staffing, medications, transportation, residential services, and other exposures before recommending coverage.
Coverage That Fits Your Services
Treatment programs change. You may add therapy, detox, medication-assisted treatment, transportation, beds, doctors, or a new location. Layne says, “Every little thing comes into play.” We review those changes so your insurance reflects what your organization actually does today.
Specialized Carrier Access
Many insurance companies do not write behavioral health and social service organizations. Stockton-Hill works with multiple direct and surplus-lines carriers that understand these risks, giving us options for facilities that may be difficult for a general insurance agency to place.
What we Do
Building Coverage Around Your Facility
No two treatment organizations operate exactly alike. An outpatient mental health practice, residential treatment center, addiction recovery program, detox facility, and sober living home can have very different exposures. We learn how your organization works, then build an insurance strategy around those actual risks.
Professional & General Liability
Professional liability is one of the most important protections for a treatment provider. Counseling, treatment plans, suicide-risk assessment, medication services, case management, and other professional decisions can lead to allegations against the organization. We review the services you provide and the liability protection behind them.
Property & Business Income
Buildings, furniture, computers, medical or counseling equipment, security systems, and other property can represent a major investment. We review property values along with business income coverage, which may help protect revenue when a covered loss leaves a facility unable to operate while repairs are made.
Cyber, Employment & Specialty Risks
Treatment providers hold highly confidential patient and medical information while managing employees who work directly with vulnerable populations. Cyber liability, employment practices liability, crime, employee dishonesty, abuse and molestation coverage, and other specialized protections deserve careful review.
Hello, I'm Layne Beasley
Commercial Insurance Agent
Layne Beasley works with treatment facilities, mental health providers, addiction recovery programs, behavioral health organizations, and social service providers. She takes time to understand each facility’s services, client population, staffing, professional care, residential exposure, transportation, and plans for growth.This field is personal to Layne. “It hits closer to home, so I am more interested in it,” she explains. “I really appreciate what they do for people.” She chose to focus on this market because she wants to support the organizations helping people through some of the hardest periods of their lives.
lbeasley@stocktonhillinsurance.com
Additional Insurance Risks
Staffing, Professional Services & Client Care
Your people are central to the care you provide and to your risk. New doctors, counselors, drivers, or other staff can change your insurance needs. Licensing, background checks, staffing levels, client ages, medication procedures, and the services employees provide should all be part of the conversation.
Reviews Include:• Professional licenses and credentials• Employee and applicant background checks• Staffing levels for residential and overnight care• Drivers and motor vehicle records• Written procedures for medication, client safety, and professional services
New Programs, Locations & Treatment Services
A policy written when your organization first opened may not reflect what you do now. Adding detox, medication-assisted treatment, therapy, residential care, transportation, more beds, or another facility can change your exposures. “It is not just going to assume that something like that is automatically covered because you have an insurance policy,” Layne says.Changes to Review Include:• New treatment or counseling services• Detox or medication-related programs• Additional beds or residential care• Transportation services or vehicles• New, expanded, or leased facilities
Changes to Review Include:• New treatment or counseling services• Detox or medication-related programs• Additional beds or residential care• Transportation services or vehicles• New, expanded, or leased facilities
Cyber, Employment & Organizational Risk
Growth creates risks beyond traditional property and general liability. Treatment facilities store sensitive health information, rely on electronic systems, hire and manage specialized staff, and may handle significant financial transactions. These exposures deserve attention as part of the entire insurance program.
Important Risks Include:• Cyber incidents involving patient and medical records• Telehealth and electronic health information• Employment practices and employee turnover• Crime and employee dishonesty• Abuse and molestation allegations and defense
Our Partners
“Stockton Hill is always responsive and clear. Whether it’s a question, a change, or a claim, they explain things in a way that makes sense and follow through every time.”
“We feel confident knowing our coverage is reviewed proactively and that someone will actually answer the phone if something happens.”
“Their team helped us clean up gaps we didn’t even know existed. The peace of mind alone was worth it.”
Contact Us
Let’s Explore Your Options
Whether you’re requesting a quick personal quote or a detailed commercial review, you’ll connect with a real person who listens, explains clearly, and follows through. Sharing your current policy summaries or insurance documents helps us provide faster, more accurate guidance tailored to your needs.
Phone: (740) 642-3333
Fax: (877) 747-9032
Text: (740) 688-3050
M-F: 9am-5pm, S-S: Closed
Areas We Serve
Alaska, Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Kentucky, Maine, Michigan, Minnesota, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin