Beyond Basic Coverage: Why Addiction Treatment Centers Need Specialized Insurance

Beyond Basic Coverage: Why Addiction Treatment Centers Need Specialized Insurance

Addiction treatment and recovery centers play a vital role in our communities. They offer hope and healing to individuals battling substance use disorders. However, the unique nature of their work presents a complex set of insurance needs that go far beyond standard business policies. From liability concerns to patient safety, these facilities require specialized coverage and expert guidance.

“It’s not just about getting a policy,” explains Chris Graham, an insurance agent with Bitner Henry Insurance Group, based in Georgia. “It’s about understanding the specific risks associated with addiction treatment and recovery. These organizations are dealing with vulnerable populations and potentially volatile situations, which requires a tailored approach.”

Graham, who works with addiction treatment centers and recovery residences across the country, has found that his communication style and commitment to client service resonate particularly well with these organizations.

“Owners and administrators of these facilities are often deeply invested in their mission,” Graham says. “They’re focused on providing quality care and support, and they need an insurance partner who understands that. My goal is to alleviate the stress of insurance so they can concentrate on what they do best.”

Unique Risks, Unique Coverage

Unlike traditional businesses, addiction treatment centers face a unique set of risks, including:

• Professional Liability: This covers potential treatment errors or negligence claims.
• Patient Elopement: Facilities need coverage for incidents where patients leave without authorization, potentially leading to harm.
• Abuse and Molestation Coverage: Unfortunately, these risks exist in any environment where vulnerable individuals are present.
• HIPAA Compliance: Protecting patient privacy is paramount; insurance should address potential breaches.
• General Liability: Standard coverage for accidents on the premises.
• Property Coverage: Coverage for the buildings and contents of the recovery center.
• Workers’ Compensation: Coverage for employees who may be injured on the job.

“Many standard insurance policies don’t adequately address these risks,” Graham emphasizes. “That’s why it’s crucial to work with an agent who specializes in this niche.”

Daryl Henry, a managing partner with Bitner Henry Insurance Group, pioneered the agency’s move into placing coverage for addiction treatment centers. “We recognized early on that this sector had unique and underserved insurance needs,” Henry states. “We dedicated ourselves to thoroughly understanding the specific risks and finding available insurance markets that could provide the necessary coverage. It was about building industry knowledge and creating solutions where they were desperately needed.”

Communication and Partnership

Graham’s approach is rooted in building strong relationships with his clients. He understands that open communication and a collaborative approach are essential.

“I take the time to explain the complexities of insurance in a clear and understandable way,” he says. “I want my clients to feel confident that they have the right coverage in place.”

His dedication aligns perfectly with Bitner Henry Insurance Group’s motto: “Serving Those Who Serve Others.”

“These organizations are serving a critical need in our society,” Graham states. “It’s an honor to be able to support them in their mission.”

National Reach, Local Commitment

While based in Georgia, Graham’s expertise extends across the country. He collaborates with addiction treatment centers and recovery residences nationwide, providing personalized service and tailored solutions.

“The needs of these facilities are similar regardless of location,” Graham notes. “My ability to work remotely allows me to serve clients effectively, no matter where they are.”

For addiction treatment centers and recovery residences seeking both a trusted partner and comprehensive insurance coverage, Chris Graham and Bitner Henry Insurance Group, built on the foundation laid by Daryl Henry, offer the experience and dedication needed to navigate the complexities of this specialized field.