Ultra Risk Advisors’ Health Express Insurance program is a turnkey market for independent agents and brokers placing small healthcare accounts with premiums under $50,000. Designed for speed and simplicity, the program pairs broad healthcare liability coverage with competitive pricing and low servicing needs. With in-house underwriting and quick response times, Ultra helps you place smaller healthcare risks efficiently.
Ideal Accounts and Appetite
Health Express is tailored for small healthcare operations where the annual premium is under $50,000. Typical target classes include single-location clinics, outpatient facilities, urgent care centers, home health providers, counseling and behavioral health services, physical and occupational therapy offices, and other allied healthcare providers. Accounts with straightforward operations and standard risk controls are the best fit; complex hospital-type exposures, large multi-site practices, or accounts with significant professional liability histories may need a different market.
Coverage Highlights and Advantages
- Fast turnaround for quotes and binding to accelerate placement
- Broad liability forms designed for common healthcare exposures
- In-house underwriting for quicker decisions and clearer feedback
- Low minimum premium thresholds to accommodate small accounts
- Options available with $0 deductible depending on class and carrier
Underwriting Notes and Minimum Premiums
Ultra Risk Advisors underwrites these accounts in-house to streamline evaluation and reduce turnaround time. Minimum premiums and available limits depend on class of business, state, and carrier appetite; the program is structured to serve accounts that may not meet traditional market thresholds. Provide clear operations descriptions and recent loss history to speed review.
Territories and Availability
Health Express is available in most U.S. states (including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Admitted options exist in many jurisdictions depending on carrier placement. Confirm specific state eligibility with Ultra at submission.
Why Work With Ultra Risk Advisors
As a Managing General Agency with healthcare liability expertise, Ultra focuses on fast, pragmatic placements for smaller risks. Their in-house underwriting, competitive carrier relationships, and streamlined submission process help you place accounts that might otherwise be hard to write. Ultra positions itself as a responsive partner for agents who need quick answers and reliable coverage options.
Example fits: You might have a solo-location urgent care with limited on-site procedures or a regional behavioral health clinic with modest payroll—both can often be quoted and bound through Health Express. Conversely, accounts with large exposures, multiple locations, or significant professional liability histories typically require placement in broader specialty markets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small healthcare operations such as clinics, urgent care centers, home health providers, therapy offices, and outpatient services with premiums under $50,000.
Is this program available in my state?
Health Express Insurance is available in most U.S. states. Contact Ultra Risk Advisors to confirm availability in your specific state.
What is the turnaround time for quotes?
Ultra Risk Advisors offers fast turnaround, often providing quotes within a few business days thanks to in-house underwriting.
Do you offer $0 deductible options?
Yes, the program includes options with a $0 deductible, depending on the class of business and carrier terms.
What is the minimum premium for this program?
Minimum premiums vary based on the type and size of the account, but the program is designed to accommodate accounts under $50,000 in premium.
Need help placing an account? Connect with a market specialist.