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At Universal Business Insurance we have worked with the top insurance carriers available to create a Healthcare/Behavioral Health Program. We understand the inherent risk associated with programs which provide treatment and care in medical, rehabilitation and human service settings.  Our industry experience provides you with the tools and knowledge necessary to identify your organization’s risks. Our program offers real solutions for complex risk management and insurance issues so you can focus on your clients and patients.

We specialize in risk management and insurance solutions for:

  • Residential Treatment Centers

  • Academies, Charter & Private Schools

  • Wilderness & Experiential Learning Programs

  • Drug & Alcohol Rehabilitation Centers

  • Assisted Living Centers

  • Skilled Nursing Facilities

  • Transitional Rehabilitation Programs

  • Hospitals

  • Long Term & Memory Care

  • Home Health & Hospice Providers

  • Medical Clinics & Offices

  • Medical Spas

  • Individual Health Care Provider Coverage: Doctors, Nurse Practitioners, Physicians Assistants, Registered Nurses,

  • Pharmaceuticals

  • Medical Supply

  • Counseling Centers

  • Adoption Agencies

  • Proctor and Foster Care Agencies

  • Non-Profit Social Service Organizations, Fraternities, & Clubs

  • Recreation Programs

We offer full service solutions for every aspect of your business, from general and professional/medical malpractice liability, to workers compensation, employee benefits, and life insurance. We offer the best value for every dollar you spend. We also understand that your business requires unique coverages including:

  • Sexual Abuse & Molestation

  • Professional Liability

  • Non Owned & Hired Auto

  • Employment Practices Liability

  • HIPPA, OSHA, FTC Red Flags Liability

  • Electronic Data and Record Keeping (Cyber Liability)

  • Directors and Officers

  • Increased Medical Expense

Let us provide you with a full risk assessment. This includes a review of your current insurance program, review of your client agreements,  program policies & procedures, and employee handbook. We can work with your corporate risk manager or become your outsourced Risk Adviser.


Because we carefully screen applicants to protect the integrity of our insurance programs, not every organization or business is eligible. To determine if your organization qualifies for this exclusive program please contact our specialists.

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