insurance for developmental disability centers

insurance for developmental disability centers

Westwood will work with you to ensure your developmental disability centers clients have the best insurance coverage for every threat they could face.

General Liability Insurance
General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

Cyber insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Property Insurance

Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.

Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Auto Insurance

Auto insurance is  a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as  well as for any vehicles transporting patients to and from the facility.

Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

Sourcing the right  insurance for developmental disability centers is essential in today’s challenging climate


Sourcing the best insurance for developmental disability centers is essential as they face a number of challenges:

  1. Funding cuts: many developmental disability centers rely on government funding, which can be limited or subject to cuts.
  2. Staffing shortages: there is often a shortage of trained and qualified staff, leading to high turnover and difficulties in providing adequate care and support.
  3. Access to healthcare: individuals with developmental disabilities may have complex medical needs that are not always met, due to a lack of access to appropriate healthcare services.
  4. Inadequate housing options: there may be a shortage of affordable and accessible housing options for individuals with developmental disabilities, leading to difficulties in providing appropriate support.
  5. Stigma and discrimination: people with developmental disabilities may face stigma and discrimination, which can limit their opportunities and access to services.
  6. Limited access to technology and resources: individuals with developmental disabilities may face barriers to accessing technology and other resources that could help improve their quality of life.

Developmental Disability centers should consider having the following insurance coverage to protect themselves from liability and other risks:

  1. General liability insurance: covers damages and injuries that occur on the center’s property.
  2. Professional liability insurance (also known as errors and omissions insurance): covers mistakes or failures to provide adequate services or care.
    Workers’ compensation insurance: covers medical expenses and lost wages for employees who are injured on the job.
  3. Property insurance: covers damages to the center’s property and equipment.
    Automobile insurance: covers damages and injuries resulting from car accidents involving center-owned vehicles.
  4. Abuse and molestation liability insurance: provides coverage for allegations of abuse or molestation by staff or volunteers.
  5. Cyber liability insurance: covers losses from cyber attacks or data breaches, such as theft of sensitive client information.

It’s important for developmental disability centers to work with a trusted insurance broker like Westwood to assess their specific risks and determine the insurance coverage that is best for their needs.


advice for insurance agents approaching developmental disability centers

An insurance agent looking to sell insurance to a developmental disability center should approach the following individuals:

  1. Executive Director: responsible for overseeing the center’s operations and finances. They may have the authority to make purchasing decisions.
  2. Risk Manager: responsible for identifying and managing the center’s risks. They may be involved in the insurance purchasing process.
  3. Human Resources Manager: responsible for the center’s employee benefits and worker’s compensation insurance. They may have an interest in the center’s liability insurance coverage.
  4. Board of Directors: responsible for making strategic decisions on behalf of the center. They may have an interest in ensuring that the center has adequate insurance coverage.

It’s important for the agent to be knowledgeable about the specific insurance needs of developmental disability centers, as well as to be able to demonstrate the value of their insurance products in protecting the center from potential risks. Contact Michael Richards for assistance with approaching development disability centers.

Contact Michael Richards now

Michael Richards, Westwood team member

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

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insurance for long term care facilities

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insurance for physicians

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