Behavioral Health & Addiction Treatment Insurance Coverage Checklist
The coverages a behavioral health & addiction treatment business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for addiction treatment and behavioral health programs. Priorities reflect typical exposure; confirm against levels of care.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional & General Liability (combined) | Covers care and premises claims. | Core | |
| Abuse & Molestation | Covers abuse and neglect allegations — often sublimited; confirm the limit. | Core | |
| Regulatory / Billing Errors (E&O) | Covers Medicaid and Medicare audits and overpayment demands. | Prevalent | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for suicide and overdose claims. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is the period right after discharge. Overdose risk peaks when tolerance is lowest, and suicide and self-harm claims can be severe; some policies also exclude sexual misconduct or regulatory actions. Programs should screen for suicide risk at every transition, send patients home with naloxone, and confirm A&M and regulatory coverage.
Send us the checklist and we'll review your behavioral health & addiction treatment coverage line by line, then market it across multiple carriers that compete for your account.
Related: Behavioral Health & Addiction Treatment Insurance · Behavioral Health & Addiction Treatment Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a behavioral health & addiction treatment business need?
The core coverages for a behavioral health & addiction treatment business are Professional & General Liability (combined), Abuse & Molestation, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my behavioral health & addiction treatment coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.