Who insures it · 5 named markets · read 2026-10-28

Who insures Sober living and behavioral health?

Sober living and behavioral health is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Sober living and behavioral health: Kinsale Insurance, Amwins (Human Services and Behavioral Health product), Burns & Wilcox, Chubb, Beazley (Miscellaneous Medical Liability). 2 E&S carriers, 2 wholesalers, 1 admitted carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Kinsale Insurance E&S carrier	Social Services target classes include Substance abuse & sober living, youth residential facilities and group homes; Miscellaneous Medical target classes include Counseling & mental health and outpatient substance abuse clinics. “Substance abuse & sober living”	not stated	not stated	kinsaleins.com · read 2026-10-28
Amwins (Human Services and Behavioral Health product) Wholesaler	Eligible classes include Substance Abuse and behavioral health treatment centers, Residential Treatment Centers (inpatient/outpatient), Psychiatric Facilities, Detoxification centers and rehab centers, Methadone Clinics and Halfway Houses, with PL/GL, dedicated abuse limits, HNOA and umbrella/excess from specialty E&S carriers. “Substance Abuse and behavioral health treatment centers”	not stated	Surplus lines	amwins.com · read 2026-10-28
Burns & Wilcox Wholesaler	Social Services and Facilities specialty naming Drug and Alcohol Rehab facility, Transitional Care / Halfway Housing and Counseling – Mental Health, Pastoral etc., placed as PL monoline or PL/GL package with sexual and physical abuse coverage. “Drug and Alcohol Rehab facility”	not stated	not stated	burnsandwilcox.com · read 2026-10-28
Chubb Admitted carrier	Human Service Agencies package: property and casualty, including professional and general liability for physicians, counsellors, employees and staff, for organizations providing residential or outpatient behavioral/mental health treatment and alcohol and substance abuse treatment facilities. “Comprehensive property and casualty insurance for behavioral healthcare and addiction treatment facilities.”	available in all states	not stated	chubb.com · read 2026-10-28
Beazley (Miscellaneous Medical Liability) E&S carrier	Medical professional liability whose 'Who we can help' list includes Behavioral healthcare and therapy providers and Drug and Alcohol Treatment facilities and providers. “Drug and Alcohol Treatment facilities and providers”	not stated	not stated	beazley.com · read 2026-10-28

Also verified: Admiral Miscellaneous Medical (Inpatient Drug and Alcohol Facilities, Mental Health Hospitals; https://www.admiralins.com/professional-liability/miscellaneous-medical/), USLI nonprofit (Halfway houses, Substance abuse services), West Bend nonprofits (AODA treatment programs). Only Kinsale uses the words 'sober living'; PHLY's equivalent is its Recovery Residence supplemental. Negley Associates and NSM did not resolve; Irwin Siegel's addiction-treatment page is JS-only.

How Sober living and behavioral health gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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