Healthcare & Human Services Program

This semi-exclusive program includes Adoption and Foster Care.  Limited wholesale broker only distribution and “A” rated paper.

Healthcare & Human Services Program

Target Classes
  • Surgery centers
  • Imaging centers
  • Home health
  • Hospice
  • Staffing
  • Labs
  • Pharmacies
  • Blood banks
  • Clinics
  • FTCA
  • Medical spas
Ineligible Classes
  • Hospitals
  • LTC
  • Physicians (stand-alone)
  • Birthing centers
  • Dialysis centers
  • Correctional facility care
  • Individual practitioners (NPs, PAs, RNs, etc.)
Coverage Highlights
  • Low minimum premium – $2K
  • Blanket Additional Insured (where required by written contract)
  • Claims Made or Occurrence on ALL coverage parts
  • Defense Outside
  • Consent to Settle with the Insured
  • Broad definition of who is an Insured
  • HIPAA sublimit
  • Indemnity Only Deductible
  • No minimum earned premium
  • Punitive damages (where insurable)
  • Unlimited ERP option
  • Separate limit for Sexual Abuse
Ineligible Territories
  • NYC – 5 boroughs
  • Dade/Broward County, FL
  • Cook County, IL
  • Philadelphia County, PA
  • Washington D.C.
Target Classes
Substance Abuse
  • Outpatient services
  • Residential facilities
  • Sober living homes
  • Detox
 Social/Community Services
  • Advocacy, education, outreach
  • Shelters (homeless, domestic violence)
  • Services for disadvantages population
Developmentally Disabled
  • Group homes
  • vocational programs
  • Intermediate care facilities
  • Day treatment programs
  • Independent living services
 Mental Health
  • Outpatient services
  • Residential facilities
  • Group homes
  • Independent living
  • Services
Youth Services
  • Counseling services
  • Headstart, youth centers
  • Residential facilities, including group homes and shelters
  • Foster care / adoption
Policy Highlights
  • PL, GL, Abuse, Property, Auto, Inland Marine, Crime, and Umbrella/Excess options (up to $11M)
  • Cyber Liability (HIPPA) coverage available
  • Coverage available for psychiatrists, psychologist, and other MDs and mid-levels
  • Claims Made or Occurrence on all coverage parts
  • Defense outside limits
  • Industry-leading broadening forms for Property, Auto, and GL
  • Broad definition of who is an Insured

Human Services Offerings

Auto Coverages