insurance for crisis stabilization centers

Insurance for Crisis Stabilization Centers

Westwood will work with you to ensure your crisis stabilization center clients have the best insurance coverage for every threat they could face.

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

  1. Funding: CSCs often rely on government funding and grants, which can be unstable and insufficient to meet the needs of the individuals they serve.
  2. Staffing: CSCs may struggle to attract and retain qualified and trained staff, especially in rural areas where there may be a shortage of mental health professionals.
  3. Overcrowding: CSCs may become overcrowded during times of high demand, leading to longer wait times and reduced quality of care.
  4. Accessibility: CSCs may not be easily accessible to all individuals in need, especially those in rural or remote areas, those without transportation, or those with disabilities.
  5. Stigma: The stigma associated with mental illness can prevent individuals from seeking help at a CSC, even in a crisis situation.
  6. Integration with community services: CSCs may have difficulty coordinating and integrating with other community services, such as housing, healthcare, and employment services, to provide comprehensive support to individuals in need.

what specific insurance do they need?

Crisis Stabilization Centers (CSCs) should have liability insurance coverage, such as General Liability Insurance and Professional Liability Insurance, to protect themselves from various risks and liabilities, including:

  1. General Liability Insurance: This covers third-party claims of bodily injury or property damage that occur on CSC premises.
  2. Professional Liability Insurance: This covers claims of professional negligence or malpractice arising from the services provided by the CSC, such as failure to diagnose or treat a mental health condition.
  3. Workers’ Compensation Insurance: This covers medical expenses and lost wages for employees who are injured on the job.
  4. Property Insurance: This covers damage to the CSC’s physical property, including buildings and equipment.
  5. Cyber Liability Insurance: This covers the costs associated with a data breach or cyber attack, such as the cost of notification, credit monitoring, and legal fees.

It is important to carefully review insurance policies and work with a reputable insurance broker like Westwood, to ensure that the CSC is fully protected from potential risks and liabilities.

advice for insurance agents approaching crisis stabilization centers

An insurance agent can approach several individuals or entities to sell insurance to a Crisis Stabilization Center (CSC), including:

  1. The CSC’s Director or Manager: The person responsible for managing the day-to-day operations of the CSC is likely to have a good understanding of the center’s insurance needs and is likely to be the best point of contact for the agent.
  2. The CSC’s Board of Directors: The board of directors is responsible for making decisions about the financial and legal aspects of the CSC, including insurance coverage.
  3. The CSC’s Financial Manager: The financial manager may be responsible for managing the CSC’s budget and ensuring that it has adequate insurance coverage.
  4. The CSC’s Legal Advisor: The legal advisor may be involved in reviewing the CSC’s insurance coverage to ensure that it meets all legal requirements and provides adequate protection.

It is important for the agent to have a good understanding of the specific insurance needs of CSCs and to be able to explain the benefits and limitations of different insurance products. The agent should also be able to provide a comprehensive proposal that takes into account the CSC’s budget, risk profile, and insurance requirements. For help with approaching CSC’s contact Michael Richards using the form, below

Contact Michael Richards now

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:

Michael Richards

Sourcing the right insurance for crisis stabilization centers is essential in today’s challenging climate


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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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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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.

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Cyber liability 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.

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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
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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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. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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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.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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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.

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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

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

insurance for physicians

The different types of insurance for physicians includes medical malpractice insurance, professional liability insurance, errors and omissions insurance, an umbrella policy, and professional indemnity. As a physician, you should have access to all of these types of insurance.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ's

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.