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
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- Pharmacies
- Blood banks
- Clinics
- FTCA
- Medical spas
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Ineligible Classes
- Hospitals
- LTC
- Physicians (stand-alone)
- Birthing centers
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- Dialysis centers
- Correctional facility care
- Individual practitioners (NPs, PAs, RNs, etc.)
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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
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Social/Community Services
- Advocacy, education, outreach
- Shelters (homeless, domestic violence)
- Services for disadvantages population
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Developmentally Disabled
- Group homes
- vocational programs
- Intermediate care facilities
- Day treatment programs
- Independent living services
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Mental Health
- Outpatient services
- Residential facilities
- Group homes
- Independent living
- Services
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Youth Services
- Counseling services
- Headstart, youth centers
- Residential facilities, including group homes and shelters
- Foster care / adoption
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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
