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BUSINESS INSURANCE FAQS
If you are a certified Substance Abuse Counselor, you can be sued – even if you have done nothing wrong.
Your best solution is to protect yourself with liability insurance.
The exact coverage that is best for you depends on the details of your business. Many Hiscox customers seek to optimize their coverage by choosing both professional liability and general liability policies. To assure that you get the best coverage for your business, see the examples below.
A concerned parent has hired a substance abuse counselor for her college student son who was having problems with drug and alcohol use. The treatments starts and the son reports back to his parents that the treatment is working. It soon becomes clear that the son has not stopped his behavior when he is arrested again for DUI. The parents are irate and sue the counselor for malpractice. Professional liability insurance protects you against claims of negligence even if you haven’t done anything wrong.
Learn more about professional liability insurance.
A substance abuse counselor rents office space in a medical office. A young patient becomes very upset during her counseling session and jumps up out of her chair, knocking it over and injuring herself. General liability insurance protects you against third-party claims for bodily injury and related medical costs.
Learn more about general liability insurance.
After learning about professional and general liability insurance, go to the Hiscox quote box on top of the page and follow the prompts to get a fast quote. If you prefer, you can call and speak to a Hiscox licensed advisor, Monday thru Friday from 8am-10pm ET.
Underwritten by Hiscox Insurance Company Inc., a Chicago based insurance company. This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.
The A.M. Best rating is for HICI which, as of December 31, 2014, had admitted assets of $149,432,027 and policyholders surplus of $55,021,013. Total liabilities were $94,411,014 (inclusive of $27,773,319
in reserves) and paid up capital stock was $4,200,000.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.
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Underwritten by Hiscox Insurance Company Inc.
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Suite 600, Chicago, IL 60603.