Ideal Accounts and Appetite
This program targets non-physician healthcare and wellness professionals that need customized E&O coverage. Common classes we place include:
- Adoption placement services
- Chiropractic assistants
- Diagnostic X-ray and imaging technicians
- Drug & alcohol detox facilities
- Health and fitness centers
- Home health agencies
- Massage therapists
- Occupational therapy clinics
If you represent allied health professionals who fall outside standard medical malpractice forms—such as therapy aides, diagnostic service providers, or placement agencies—this program is designed for those risks.
Coverage Highlights and Advantages
The Allied Medical E&O program is written on a claims-made and reported basis and is offered on a non-admitted platform through Certain Underwriters at Lloyd’s. Limits are available from $100,000 to $5,000,000, with multiple deductible options so you can tailor terms to a client’s risk tolerance and budget.
Policyholders also get access to the SRM® 800 “Hotline” service, an unlimited telephone risk management consultation provided by Specialty Risk Management®. The hotline supports insureds on E&O exposures and has handled more than 250,000 client interactions since 1992.
Underwriting Notes and Minimum Premiums
All submissions are subject to individual underwriting. Premiums depend on the class of business, chosen limits, deductibles, and the account’s specific risk characteristics. Provide a completed application and any available loss history for the quickest and most accurate response from PLIS® underwriting.
Territories and Availability
This program is available nationwide on a non-admitted basis in all 50 states and Washington, D.C., allowing you to place allied health risks across the country.
Why Work With PLIS®
As a program administrator focused on professional liability, PLIS® understands allied health exposures. We combine specialized underwriting, a partnership with Lloyd’s for capacity, and value-add risk management through the SRM® hotline to offer a practical solution for brokers placing niche healthcare accounts.
In addition to Allied Medical E&O, PLIS® places Miscellaneous E&O (covering 210+ professional categories), Cyber Liability, and Real Estate E&O — useful options when clients have mixed exposures.
All coverage features are subject to underwriting and may vary by account. This information is not a guarantee of quote or coverage. Refer to policy wording for complete details.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program fits allied healthcare professionals such as massage therapists, imaging technicians, home health agencies, occupational therapy clinics, adoption/placement services, and other non-physician providers who need tailored E&O protection.
Is this coverage available on an admitted basis?
No. Allied Medical E&O is offered on a non-admitted basis through Certain Underwriters at Lloyd’s.
Are there minimum premium requirements?
Premiums vary by class, limits, deductibles, and risk profile. Contact PLIS® underwriting with the completed application and loss history to determine pricing for a specific account.
What is the SRM® Hotline, and who can use it?
The SRM® Hotline is a free, unlimited telephone risk management consultation available to insureds in the program. It provides practical guidance on E&O exposures and risk-reduction strategies.
Is this program available nationwide?
Yes. PLIS® offers this program on a non-admitted basis in all 50 states and Washington, D.C.
Need help placing an account? Connect with a market specialist.