Risk protection for mental health service providers.


Insurance for Miscellaneous Mental Health Service Providers

Mental health treatment facilities offer services for those with serious mental illness and to persons with co-occurring mental health and substance use disorders on an in-patient, residential or outpatient basis. There are various types of mental health service providers including outpatient or day treatment or partial hospitalization mental health facilities; residential treatment centers (RTCs) for children; residential treatment centers (RTCs) for adults; community mental health centers (CMHCs); specialty community behavioral health centers; substance use disorder rehabilitation programs; independent providers; and others.

Individual and group counseling is available and includes a variety of treatments for behavioral health problems. Counseling is provided by trained clinicians such as psychologists, psychiatrists, social workers, and counselors. Counseling can take a number of forms depending on the type of therapy being used, the goals of the treatment, and other factors in the life of the person receiving therapy. Some courses of counseling last for months or even years, while others can be brief. Prescription medications also are an important resource for treating mental and substance use disorders.

The Demand for Mental Health Services

The U.S. today is grappling with addressing our huge unmet mental health needs, with a lack of psychiatrists and counselors available to meet the burgeoning demand for services. The shortage is projected to grow acute over the next decade. Nationwide, we’re currently 6.4% short of the psychiatrists we need, and this shortage is predicted to nearly double by 2025. In 2013, the demand for behavioral health practitioners reached nearly 57,000, yet, there were less than 46,000 available. By 2025, the expected demand will top 60,000, creating a shortage of more than 15,000 professionals.

To begin to address the issue, integrating behavioral health services within primary care settings is now seen as key to serving the rising number of patients seeking care. Mental health screenings during a primary care visit can identify patients suffering from stress, anxiety, and depression. Quick referrals and appointments with specialists can prevent more severe health issues down the road. Telemedicine is also stepping in to fill in the gap in mental health services. Telehealth firms are offering on-line access to psychiatrists, psychologists, and therapists.

Unparalleled Protection, Custom Solutions

National wholesaler Highland Risk Services works exclusively with retail agents and provides customized insurance solutions to meet the challenges and evolving needs of mental health service providers. In addition, we provide the risk management tools needed to help reduce claims for each client. Our programs include the following coverages:

  • General Liability
  • Employee Benefits Liability
  • Commercial Property
  • Professional Liability
  • Sexual Abuse & Molestation
  • Cyber Insurance
  • Employment Practices Liability
  • Commercial Auto
  • Commercial Umbrella
  • Workers Compensation

You can get a more detailed view of our program highlights here. In addition, Highland Risk works with top-tier, A-rated markets, with our programs available nationally.

We Focus on Supporting Your Future Growth

What we do is not as important as how we do it. We invite you to explore the Highland Risk difference. Just give us call at (847) 832-9100 to learn more about us, our coverage lines and programs and how we can serve you and your clients’ needs.