Mental health professionals play essential yet highly complex roles. From one-on-one counseling to addiction treatment and crisis intervention, behavioral health insureds face distinct and dynamic risks that standard commercial policies may not be designed to handle. Tailored insurance for mental health organizations is a must.

A General Liability policy is only the starting point for these organizations. Philadelphia Insurance Companies (PHLY) blends customizable behavioral health coverage with targeted risk management solutions to help your insureds manage risk and preserve the well-being of those they serve.

How PHLY Outpaces Other Behavioral Health Insurers

Mental health organizations operate in high-stakes settings where a single episode, from an allegation of patient harm to an error made by a contracted driver, can threaten an entire practice. With more than 25 years of experience insuring behavioral health providers, PHLY underwriters understand the unique exposures of therapists, counselors, and community health practitioners, and we cater coverage to meet those risks.

For instance, we offer Medical Professional Liability Insurance for physicians working with insured organizations, a feature many other carriers don’t offer. And we offer liability protection for dispensing the life-saving drug Naloxone (or a reasonably equivalent drug) during an opioid overdose, as permitted by applicable state or federal law.

The PHLY Difference: No-Cost Risk Management

Suicide and addiction are serious, ongoing risks for communities across the United States. PHLY understands the importance of proper training and support for mental health professionals, and that’s why we consistently partner with organizations who work at the cutting edge of these enduring challenges. Our risk management resources come at no extra cost to policyholders and include:

• A partnership with the Education Development Center (EDC) and Zero Suicide to develop a suicide prevention resource guide.

• Partnerships with leading experts who protect vulnerable adults to provide a five-part system aimed at sexual abuse awareness and prevention that includes training, screening, background checks, and monitoring.

• A suite of no-cost risk management programs such as employee screening, driver screening, and telematics that helps reduce risk during day-to-day operations

Beyond risk management, other policy highlights include:

• Separate limits for General Liability, Professional Liability, and Abuse & Molestation, so one claim won’t erode another

• Vicarious Professional Liability insurance for psychiatrists, plus available Primary Professional Liability coverage for employed, volunteer and contracted physicians and psychiatrists

• Special Causes of Loss property coverage for buildings, contents, business income, and extra expenses

• Equipment Breakdown coverage for outages that may affect patient care

• Owned, Non-Owned, and Hired auto coverage

• Comprehensive General Liability coverage with limits up to $1M per occurrence / $3M aggregate

• Coverage extension options for contractors and volunteers as well as fundraising events

• Crime and Fidelity coverage

• Defense costs outside policy limits so legal expenses won’t reduce the overall policy limit

• Large excess limits available

PHLY is the largest insurer in the behavioral health space, and we see Mental Health Organization Insurance as more than simply business. Coverage decisions can shape how an organization responds in a crisis, and they keep both insureds and their clients protected. We combine the financial strength of an A++ Rated Carrier with the flexibility and speed both agents and insureds require.

To get a quote, log in to MyPHLY to submit new business or call us at 800.873.4552.