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Huntersure: Professional Liability Insurance for the Allied Healthcare Sector

The Allied Healthcare industry is comprised of many different types of facilities and professionals in hundreds of positions critical to this segment. Facilities can range from adult day care centers to medical labs, physical, occupational & speech therapy and home health agencies to social services and residential facilities such as assisted living, independent living home, and hospice care to med spas and much more. Those who work within Allied Healthcare include nurses, technicians, therapists, social workers, consultants, educators, and assistants – all who require special training, degrees, or certifications to practice in the healthcare field.

Specialization in Liability Insurance for Allied Health

Huntersure specializes in this segment and offers competitive general liability and professional liability insurance products for Allied Healthcare individuals and organizations. Our professional liability product includes the following:

Allied Health Liability Program Features

  • Limits up to $2M per Occurrence and $6M Aggregate Available (higher limits available in Virginia as required upon request)
  • Minimum Premium for Med Spas of $2,400 for Professional Liability and $600 for General Liability
  • Minimum Premium for all other classes of $1,200 for Professional Liability and $300 for Claims-Made General Liability or $450 for Occurrence General Liability
  • Minimum deductible of $1,000 (First Dollar Defense available for an additional premium)
  • Sexual abuse at low limits of $25K/$50K included in the form at no additional premium (at underwriter’s discretion) and limits up to $1m/3m for an additional premium.

There is an increasing need for higher limits in this sector due to contractual requirements as well as escalating costs associated with litigation. Huntersure recognizes this need and can provide higher limits through its Excess Allied Healthcare Program.

Huntersure’s Excess Allied Healthcare Program is written on behalf of London-based insurers with an A.M. Best rating of “A XV”.

Allied Health Excess Liability Program Features

  • Limits up to $5M available (subject to a minimum attachment point of $1M)
  • Excess over Professional Liability and General Liability coverages only
  • Minimum premiums start at $2,500 per million (depending on class of business and territory)
  • Excess capacity over ourselves (supported) or other carriers (unsupported – subject to approval of the underlying policy form)
  • Primary Professional Liability must be on a claims-made form
  • Same target classes as for the primary Allied Healthcare program
  • Available in all States except New Jersey and not available over California Residential Care Facilities for the Elderly (RCFEs)

Additional Information About Our Allied Healthcare Liability Program

Allied Health

  • Acupuncture Clinic
  • Acupuncturists
  • Adult Day Care
  • Ambulance Services (Non-Emergency only)
  • Artificial Limb Clinic
  • Audiologist
  • Chiropractic Clinic
  • Chiropractor
  • Consultant
  • Diagnostic Imaging/ X-Ray
  • Diagnostician
  • Durable Medical Equipment – Sales
  • Hearing Aid Fitter
  • Home Health Agencies – Non Medical Care
  • Home Health Agencies
  • Home Health Aide
  • Imaging Tech
  • LVN/LPN
  • Massage Therapist
  • Massage Therapy Practice
  • Medical Arts Schools
  • Medical Clinic
  • Medical Director
  • Medical Lab Tech
  • Medical Lab – Including Drug, DNA, Fertility Testing, etc.
  • Medical Personnel Staffing Services/Nurse Registry
  • Nurse
  • Nurse Practitioner
  • Nurse Aide
  • Nutritionist
  • Occupational Therapist
  • Occupational Therapist Assistant
  • Optical Establishments
  • Optical Goods Stores
  • Optometrist
  • Pharmacy (incidental compounding exposures only)
  • Phlebotomist
  • Physical Therapist
  • Physical Therapy Assistant
  • Physical Therapy Clinic
  • Physician Assistant
  • Radiation Therapy Technician
  • Respiratory Therapist
  • Speech Therapist
  • Speech Therapy Clinic
  • Speech/Language Pathologist
  • Testing Services
  • Specimen Collection Services
  • Ultrasound Technician
  • Veterinarian
  • X-Ray Technician

Social Services

  • Alcohol/Drug Rehab (Adults Only)
  • Case Management
  • Child Day Care
  • Community Mental Health Clinic
  • Counselor
  • Day School/Day Care for Developmentally Disabled
  • Family Counseling
  • Hospice
  • Hotlines
  • Meals on Wheels
  • Medical Tech – General
  • Mental Health Clinics
  • Mental Health Tech
  • Pastoral Counselor
  • Psychiatric Social Worker
  • Psychologist
  • Respite Care
  • School for Handicapped
  • Sheltered Workshops
  • Social Worker

Residential Facilities

  • Assisted Living Facility (elderly)
  • Alzheimer’s/Memory Care Facility (elderly)
  • Independent Living Facility (elderly)
  • Group Home for the Developmentally Disabled (adults only)
  • Halfway House (adults only)
  • Transitional Living (adults only)

Medical Spas

  • Coverage through Certain Underwriters at Lloyds (A.M. Best A XV Rated)
  • One policy for Professional Liability and General Liability coverage with separate limits (a shared aggregate is available for a credit)
  • Claims-made Professional Liability and either Claims-Made or Occurrence General Liability available
  • Incident Sensitive Coverage Trigger
  • Coverage Available for Both Individual Healthcare Providers and Facilities
  • Limits up to $2M per Occurrence and $6M Aggregate Available (higher limits available in Virginia as required upon request)
  • Deductibles Start at $1K Indemnity (1st dollar defense coverage is available for an additional premium)
  • Minimum Premium for Med Spas of $2,400 for Professional Liability and $600 for General Liability
  • Minimum Premium for all Other Classes of $1,200 for Professional Liability and $300 for Claims-Made General Liability or $450 for Occurrence General Liability
  • Sexual Abuse at Low limits of $25K/$50K included in the form at No Additional Premium at Underwriter’s Discretion (and limits up to $1M/$3M available for an additional premium)
  • Coverage Available for Physicians for Direct Patient Care for Med Spa Procedures
  • Can also Consider Coverage for Psychiatrists with Shared Limits when Covering the Mental Health Facility & for Hospice Physicians when Exposure is Limited
  • Coverage for Physicians for Supervisory Duties as Collaborating Physician may also be Available on Certain Risks Upon Request
  • Sexual Abuse up to $1M/$3M Limits
  • Defense Outside the Limit
  • Employment Benefits Liability
  • Hired & Non-Owned Auto up to $1M/$3M limits
  • 1st Dollar Defense
  • Punitive Damages (where allowable by law)
  • Legal/Media Event Expense Sub-Limits
  • Evacuation Expense Sub-limits
  • Privacy Reimbursement Sub-Limits
  • HIPAA Sub-Limits
  • Disciplinary Proceedings Sub-Limits
  • Theft Coverage Sub-Limits

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Huntersure: Rely On Us to Expand Your Footprint in Allied Healthcare.

We make doing business with us easy with our breadth and depth of knowledge in Allied Healthcare, our proprietary underwriting system that allows for responsive quoting, binding and policy issuance and custom products to meet the needs of your insureds. To find out more about our products for the Allied Healthcare/Home Health industry, contact us at 713-322-3741.

We Are Professional Liability Policy Specialists. Find out more below: