Learn more about our two member benefit options.
- Individual Program
- Facilities Program
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What is the Van Wagner Group?
The Van Wagner Group, a division of SterlingRisk, has been providing comprehensive insurance solutions to the addiction treatment and counseling field for over 25 years.
Who Can We Protect?
● Addiction and mental health counselors
● Recovery support specialists
● Clinical supervisors
● Addiction and mental health students
● Health care consultants
● Peer Support Specialists
● Life Coaches
● Family and Marriage Counselors
● Psychologists
● Students
What Products Do We Offer?
Professional liability with a broad definition of professional service
● The policy also covers those with specialized knowledge, not just degree professionals.
● Professional Liability is available for full-time counselors and students as well as at a discounted rate for those working part-time.
● Our policy is written on an “Occurrence” coverage form. With this coverage it does not matter when a claim or suit is reported, the policy will respond as long as the injury or damage sustained was during the policy period.
● Limits are offered at $1 million each incident / $3 million annual aggregate and up to $2 million per incident / $7 million annual aggregate when required by state, contract, or for those who just want higher limits. (Cost: $25)
● Abuse or Molestation with limits of $100,000 each act of abuse / $100,000 aggregate. Defense expense outside limits.
● Defendants reimbursement and deposition fees and expenses included.
● Peer Review.
● $25,000/$50,000 administrative defense of HIPAA notification costs.
● LLC, PC, Inc., S. Corp–This applies to sole owners of a corporation or LLC when the owner/members is the only person providing services and there are no employees or any other individual providing services on behalf of corp.
A Signature General Liability Broadening Endorsement with:
● Increased medical payments and property damage extension or coverage for damage to premises rented to you.
● Personal and Advertising Injury included.
● Additional Insured: Automatic status when required by contract (Example: Landlord).
● Medical Expenses for first aid–administered up to $20,000 during policy period.
● Damage to property of others–$5000.
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What is the Van Wagner Group?
The Van Wagner Group, a division of SterlingRisk, has been providing comprehensive insurance solutions to the addiction treatment and counseling field for over 25 years.
Who Can We Protect?
● Drug Addiction
● Alcoholism
● Prescription Drug Abuse
● Detoxification Services
● Outpatient Facilities
● Residential Treatment Program
● Co-Occurring Disorders
● Chemical Dependency
● Dual Diagnosis Facilities
What Products Do We Offer?
1. Professional liability with a broad definition of professional service
● The policy also covers those with specialized knowledge, not just degree professionals.
● Professional Liability is available for full-time and part-time counselors and students.
● Our policy is written on an “Occurrence” coverage form. With this coverage it does not matter when a claim or suit is reported, the policy will respond as long as the injury or damage sustained was during the policy period.
● Limits are offered at $1 million each incident / $3 million annual aggregate and up to $2 million per incident / $7 million annual aggregate when required by state, contract, or for those who just want higher limits. (Cost: $25)
● Abuse or Molestation with limits of $100,000 each act of abuse / $100,000 aggregate. Defense expense outside limits.
● $25,000/$50,000 administrative defense of HIPAA notification costs.
2. General Liability with a Broadening Endorsement
● Negligence—up to $1 million each incident/$3 million annual aggregate for claims during policy period. With limits up to $2 million each incident/$7 million agg.
● Increased medical payments and property damage extension or coverage for damage to premises rented to you.
● Personal and Advertising Injury included.
● Additional Insured: Automatic status when required by contract (Example: Landlord).
● Medical Expenses for first aid–administered up to $20,000 during policy period.
● Damage to property of others–$5000.
3. Property
4. Business Auto
5. CyberClick the below link to download the printable application. Once downloaded, fax completed submission to (888) 290-0302 or email to vanwagnerinsurance@sterlingrisk.com.