Ideal Accounts and Areas of Expertise
This program is designed for both for-profit and nonprofit organizations across the healthcare spectrum. Our primary focus is on senior living and miscellaneous healthcare providers, including:
- Senior Living Facilities:
- Sub-Acute/Rehabilitation Centers
- Skilled Nursing Facilities
- Intermediate Care Facilities
- Assisted Living Communities
- Independent Living Facilities
- Continuing Care Retirement Communities (CCRCs)
- Miscellaneous Healthcare Risks:
- Hospice Providers
- Home Healthcare Agencies
- Medical Staffing Firms
- Mental Health Facilities
- Correctional Healthcare Providers
- Telehealth Services
- Adult Day Care Centers
Coverage Highlights
We offer a coordinated package of coverages to address the range of exposures healthcare operations face. Available lines include:
- General Liability
- Professional Liability
- Property
- Commercial Auto
- Umbrella/Excess Liability
Underwriting and Premium Guidelines
The program writes both for-profit and nonprofit entities nationwide. Minimum premium typically starts around $10,000, though final minimums and terms depend on the account’s size, loss history, operations, and desired limits. We work with carrier partners to structure layered programs and may consider package placements for multi-line exposures.
Territories and Admitted Status
This healthcare program is available in most states, with particularly strong capacity in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Coverage can be placed through admitted or non-admitted carriers depending on state rules and the risk profile.
Why Work With A & B Insurance Solutions LLC
A & B Insurance Solutions LLC brings deep healthcare underwriting expertise and market access to help you place complicated or multi-faceted healthcare accounts. Our strengths include:
- Access to multiple carriers — including E&S capacity — for hard-to-place risks.
- Experience with senior living and a wide range of ancillary healthcare exposures.
- Flexible solutions for multi-line placements and layered limits.
- Guidance on underwriting expectations to improve submission quality and placement speed.
Example scenarios where this program fits:
- You have a regional assisted living operator expanding into multiple states and need a program that will coordinate GL, PL and umbrella limits across locations.
- You represent a hospice provider with unique professional exposure and want access to carriers that will consider tailored professional liability wording and coverage extensions.
Frequently Asked Questions
What types of accounts are a good fit for this healthcare insurance program?
We focus on senior living operators, home health agencies, hospice providers, medical staffing firms, mental health services, and similar healthcare entities. Both for-profit and nonprofit organizations may qualify depending on operations and loss history.
What is the minimum premium for accounts placed through this program?
Minimum premium typically starts at $10,000, but it can vary based on account size, scope of coverage, and underwriting details.
Is this program available in my state?
We offer this healthcare program in most states, with strong availability in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Placement options depend on the state and specific risk.
What lines of coverage can I access through this program?
Agents can access General Liability, Professional Liability, Property, Commercial Auto, and Umbrella/Excess options tailored to healthcare operations.
Are both admitted and non-admitted options available?
Yes. We can place business through admitted carriers where appropriate and through non-admitted/E&S capacity when needed for expanded appetite or unique exposures.
Need help placing an account? Connect with a market specialist.