My name is Doug Raby, Regional Sales Director for Aon Affinity's Healthcare Group and my primary responsibility with Affinity Healthcare is to provide to you, professional liability options for your current & prospective clients.
To give you a little insight into our organization; we are a part of Aon’s Affinity group:
• K&K Insurance
• Ian H. Graham
• Huntington T. Block
• Affinity Nonprofits
• Bankers Insurance Service/Insurmark
• A&E Advantage Program
• Affinity Healthcare
Specifically, our Affinity Healthcare program got its start as a retail option for our HPSO and NSO program.
Healthcare Providers Service Organization (HPSO) has over 30 years of experience in providing healthcare providers with insurance solutions and now provides coverage to over 80 healthcare professions. HPSO, along with Nurses Service Organization, provides over 1 million individual healthcare providers throughout the United States with professional liability insurance and risk management information.
We have a program or market for virtually every class of healthcare professionals.
Highlights include:
HPSO & NSO - Provides individual professional liability to over a million healthcare professionals and 18,000 healthcare businesses. Whether you are a sole proprietor or a large corporation with offices in multiple states, we have the expertise and resources to handle your healthcare risk.
An exclusive program for both individuals and firms in over 90 classes:
• Aesthetics
• Allied Healthcare Schools
• Ambulatory Surgery Centers
• Community Health Centers
• Counseling Centers
• Dialysis Centers
• Home Health Services
• Hospice
• Imaging Facilities
• Laboratories
• Medi-Spas and Aesthetics
• Nurses, Nurse Practitioners, Physician Assistants, etc.
• Occupational / Physical Therapy
• Optometry
• Pharmacies
• Rehabilitation Centers
• Sleep Labs
• Staffing Agencies for Nurses / medical professionals
• Student Health Centers
• Many others
Non-emergency & Emergency Medical Transport
• PL/GL/Auto – must be written as a package, no stand-alone auto
• PL – non admitted, claims made
• GL – non admitted, occurrence
• Auto – Admitted
• Excess is available if they need higher limits, up to $25MM
• Abuse limits up to $1MM if they are contractually obligated (which most 3rd party health systems require, like Medicare, etc.)
• Additional Insured can be added
• Non-emergency transport and ambulances. All ambulance or all transport OK
• Start-ups OK. No restrictions on # of years in business
• No state restrictions. Some counties will have higher rates but no absolute no’s
• Typically symbols 7,8, and 9
• Types of cars include: vans, mini-vans, ambulances, box vans, par transit, sedans, even limos
• PL minimum premium - $3,500
Aesthetics - With our program for aesthetic procedures, your client doesn’t have to purchase two professional liability policies, one for individual healthcare practitioners and another for their business entity, saving them time and money. Coverage is provided for nearly 100 non-surgical aesthetic procedures.
Allied Healthcare Schools - Some carriers write separate policies for medical schools, their faculty and students. Our carrier partner is able to consolidate them all under one Student Blanket policy, streamlining the process, and oftentimes saving the school money. We are able to provide the same low rate for more than 100 medical specialties.
Dentists - Our dentist’s professional liability program is one of the largest in the nation. It features a unique rating system called ‘practice based pricing’ based on the procedures the dentist routinely performs.
Home Healthcare - The professional liability program for home healthcare providers is positioned to provide a broad range of coverage that is tailor-made to this rapidly growing business segment, including the ability to cover the owner, business entity, and all employees under one policy.
Senior Living (not-for-profit) – Affinity Healthcare offers a full array of P&C products to this segment, giving you access to one-stop shopping. Our risk management program, the Aon Quality Institute, provides Leading Age members a 10% premium discount on GL/PL.
We work with our carrier partners to facilitate new business and retention on your behalf.
Eligible classes of business
• Continuing Care Retirement Communities (CCRCs)
• Skilled Nursing Facilities (SNFs)
• Assisted Living and Personal Care Operations
• Independent Living/Senior Housing Operations
• Home & Community Based Services for the Elderly
• Program of All-Inclusive Care for the Elderly (PACE)
Senior Living (for-profit) - Working together with our insurance carrier partners, Affinity Healthcare has created an insurance program around for-profit senior living facility’s specific exposures.
Eligible classes of business:
• Continuing Care Retirement Communities (CCRCs)
• Assisted Living Facilities
• Independent Living Facilities
• Skilled Nursing Facilities
Medical Facilities - Whether your client’s medical facility is large or small, local or national, we can build a custom professional liability insurance program tailored to each business’s unique needs.
Nurse Practitioner - NSO has the endorsement of more than 30 professional nursing associations. With over 25,000 nurse practitioners insured, our professional liability program for nurse practitioners is one of the largest and most respected in the nation.
Orthotics & Prosthetics - We can assist O&P suppliers and manufacturers with a broad array of commercial insurance solutions, everything from professional liability to property coverage, business interruption, general liability, commercial auto, commercial umbrella and workers’ compensation.
Osteopathic Physicians - While most professional liability plans for osteopaths exclude Osteopathic Manipulative Medicine, we worked with our carrier partner to create an OMM Coverage Extension to grant protection to DOs for this unique exposure.
Physician Assistants - HPSO offers PAs three professional liability coverage forms: occurrence, claims-made and the new convertible claims-made coverage. All are offered at highly competitive rates.
A few of the highlights are:
• Exclusives - We are the sole access point for many Healthcare Programs
• Approximately 60 Association Endorsements
• Risk Management is provided
• We accept submissions via any application
Should you have any questions regarding how we can help your Brokerage drive new revenue; please free to reach out to me via phone or email.
Regards,
Doug Raby
Douglas Z. Raby, CIC | Regional Sales Director
Aon Affinity | Healthcare Division
1218 Mississippi Avenue | Chattanooga, TN 37405
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+1.423.304.1500
[email protected] | aon.com