Coverage built for recovery work.
Insurance for addiction treatment centers, detox and residential programs, outpatient clinics, sober living homes and mental health practices.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A specialty market for a specialty field
Treatment providers face claims most businesses never see: client self-harm, overdose after discharge, abuse allegations, and injuries in residential settings. Most standard carriers won't write the class, so programs are placed with specialty markets that understand clinical and residential risk.
Residential and outpatient substance use programs in California are licensed or certified by the Department of Health Care Services, and referral partners and payers often ask for proof of coverage. I place behavioral health coverage through specialty programs that write the field.
- Professional liabilityClaims arising from clinical care and counseling.
- Abuse and molestationEssential for residential programs.
- General liability and propertyThe facility, residents' injuries and your equipment.
- Workers' compClinical and support staff.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: DHCS license or certification and accreditation.
- Services: detox, residential, outpatient, MAT or sober living.
- Capacity: beds and average census.
- Staff: clinicians, payroll and credentialing.
- Facility: own or lease, and property values.
- History: current policies and claims.
Behavioral health insurance, answered
Why is treatment center insurance hard to find?
The clinical and residential exposures are specialized, so most standard carriers decline. Specialty programs write the class.
Do sober living homes need special insurance?
Yes. A recovery residence is a business with resident exposures that homeowners and standard landlord policies don't cover.
Is abuse coverage necessary?
For residential programs it's essential, and it's excluded from many policies unless added.
What do underwriters rate on?
Services, capacity, licensing, staffing, facilities and claims history.
Do you offer behavioral health insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your program. I'll shop it.
Your license, services and capacity are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.