With a growing demand for quality healthcare and longer life expectancies, the allied healthcare sector continues to expand rapidly. Access E&S Insurance Services offers a dedicated Allied Healthcare Professional/General Liability program designed to help insurance agents and brokers serve a wide range of healthcare clients beyond traditional physicians and nurses. This program is tailored to meet the liability needs of allied healthcare professionals who play a vital role in patient care and support.
Ideal Accounts and Appetite
Access E&S targets a broad spectrum of allied healthcare providers, whether they operate as sole proprietors, employees, contractors, or business owners. This program is ideal for agents placing coverage for:
- Audiologists
- Fitness Instructors
- Home Health Care Agencies
- Massage Therapists
- Medical Spas
- Nutritionists
- Medical Personal Service Companies
- Pharmacists and Pharmacies
- Physician Assistants
- Physical, Rehabilitation, Occupational, and Speech Therapy Clinics
- Respiratory Therapists
Whether your client operates a small therapy clinic or a growing home healthcare agency, this program offers flexible options to meet their unique exposures.
Coverage Highlights and Advantages
Allied healthcare professionals often face liability risks due to the perception of shared responsibility with physicians. Even with best practices in place, lawsuits can arise from alleged negligence or professional misconduct. This program helps protect your clients with comprehensive coverage options, including:
- Professional Liability (Claims-made)
- General Liability (Occurrence or Claims-made)
- Abuse and Molestation Coverage
- Non-owned Auto Liability
- Third Party Discrimination
- Employee Benefits Liability
- Disciplinary Action Defense Coverage
- Duty-to-Defend Provisions
- Separate Limits Available for PL and GL
- Optional Defense Outside the Limits
These features can be critical in protecting your clients’ reputations, licenses, and financial stability.
Underwriting Notes and Minimum Premiums
Access E&S offers this program through various carriers in the excess and surplus lines market, which provides flexibility in underwriting less-standard accounts. The minimum premium starts at $750, making it accessible for many small to mid-sized healthcare businesses. Submissions are evaluated individually, with emphasis on scope of services, risk management practices, and claims history.
Territories and Availability
This program is currently available in Arizona, California, Colorado, Nevada, Texas, and Washington. If you have clients operating in these states, Access E&S can be a strong market partner for your allied healthcare placements.
Why Work With Access E&S Insurance Services?
As an experienced excess and surplus lines broker, Access E&S Insurance Services brings deep knowledge of niche healthcare risks and a responsive underwriting approach. Their access to multiple carrier markets allows for customized solutions across a wide range of allied healthcare specialties. Whether your client is launching a new practice or expanding an existing operation, Access E&S can help you find the right fit for their liability needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for a wide range of allied healthcare professionals, including therapists, home health agencies, medical spas, and nutritionists, among others.
Is this program available on an admitted or non-admitted basis?
The program is typically written through non-admitted markets, giving flexibility in underwriting unique or higher-risk accounts.
What is the minimum premium for this program?
The minimum premium starts at $750, making it suitable for small to mid-sized allied healthcare businesses.
In which states is this program available?
This program is currently available in Arizona, California, Colorado, Nevada, Texas, and Washington.
What coverages are included in the program?
Coverage options include Professional Liability, General Liability, Abuse and Molestation, Non-owned Auto, Third Party Discrimination, and more.
Need help placing an account? Connect with a market specialist.