Affinity Healthcare

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Affinity Healthcare

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Student Blanket Program

Exclusive Professional Liability Program for Allied Healthcare Schools - Student Blanket Program

The Student Blanket Program from Affinity Healthcare, offered in partnership with Nurses Service Organization (NSO) and Healthcare Providers Service Organization (HPSO), provides a streamlined professional liability solution for allied health education programs. This single, affordable policy lets you place coverage for the school entity, faculty and students together—simplifying administration and billing for training institutions and their brokers.

Unlike specialty-rated student plans, the Student Blanket Program uses a uniform low per-student rate across more than 100 allied health specialties. That consistency lets you quote and bind faster for mixed programs without worrying about specialty-by-specialty rating differences.

Ideal Accounts and Appetite

This program is designed for allied healthcare schools, colleges and training centers that teach clinical, technical, and patient-care skills. Typical accounts include:

Vocational and technical schools (LPN/LVN, allied health certificates)
Community colleges and four-year institutions with nursing, physical therapy, pharmacy, or allied health tracks
Private training centers for EMS, radiologic technologists, surgical assistants, and similar occupations

More than 100 specialties are eligible, including:

Nurse and Nurse Practitioner
Pharmacist
Physical and Occupational Therapist
Speech Language Pathologist
EKG and Dialysis Technician
Dental Hygienist and Orthopedic Assistant
Sports Medicine Therapist

Coverage Highlights and Advantages

Affinity Healthcare’s Student Blanket Program reduces administrative complexity while providing meaningful protections for educational operations and clinical learners:

One policy covers the school entity, its faculty, and enrolled students
Flat per-student rate—consistent pricing across specialties
No separate premium required to add faculty or the school entity
Limits available: $1M/$5M or $2M/$5M

Built-in benefits include:

Legal representation outside policy limits
Disciplinary hearing coverage: up to $1,000 per proceeding
Deposition representation: up to $1,000 per deposition
Assault coverage: up to $1,000 per incident (not available in Texas)
First aid expenses: up to $500 per incident
Medical payments: up to $2,500 per person

Underwriting Notes and Minimum Premiums

The program has a low barrier to entry, with a minimum premium of $300. Underwriting is straightforward and geared toward educational operations rather than individual practitioner risk. The policy is underwritten by American Casualty Company of Reading, PA — a CNA company. Typical considerations for quoting include student counts, program types, and the clinical training environment; specialized or high-risk training settings may require additional review.

Territories and Availability

This admitted program is available nationwide on an admitted basis in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.

Why Work With Affinity Healthcare?

Affinity Healthcare (a division of Affinity Insurance Services, Inc.) focuses on professional liability programs for healthcare professionals and institutions. Through partnerships with NSO and HPSO, Affinity gives agents access to a carrier-backed program with simple underwriting and reliable claim handling through CNA. For brokers, the Student Blanket Program streamlines placement and reduces administrative burden when insuring schools with multiple allied health programs.

You might use this program when a client runs a multi-discipline training program and wants one policy to cover all students and faculty, or when a vocational school needs economical student coverage without specialty-by-specialty rating. If you have an account that trains clinical students and needs consolidated, admitted coverage across states, this program is worth quoting.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Healthcare training schools, vocational institutions, and colleges offering allied health programs—nursing, therapy, pharmacy, EMS, dental hygiene and similar programs—fit well.

Are faculty and the school entity included in the policy?

Yes. The blanket policy covers the school entity and faculty at no additional premium, consolidating responsibility under one policy.

Is the premium the same regardless of student specialty?

Yes. The program offers a single low per-student rate across more than 100 eligible specialties, simplifying quotes for mixed programs.

What are the coverage limits available?

Limits are available at $1,000,000 per claim/$5,000,000 aggregate or $2,000,000 per claim/$5,000,000 aggregate.

In which states is this program available?

The Student Blanket Program is available on an admitted basis in all 50 states and the District of Columbia.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Program Administrator

Admitted:

All Available States

Carriers:

Carrier Ratings:

"A" (Excellent) by A.M. Best

Commission:

-

Min Premium:

$300

Coverages:

Professional Liability Insurance Program for Allied Healthcare Schools Professional Liability Insurance Program for Healthcare Schools Professional Liability Insurance Program for Nursing Schools

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Affinity Healthcare

Affinity Healthcare

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Student Blanket Program

Ideal Accounts and Appetite

Coverage Highlights and Advantages

Underwriting Notes and Minimum Premiums

Territories and Availability

Why Work With Affinity Healthcare?

Frequently Asked Questions

What types of accounts are a good fit for this program?

Are faculty and the school entity included in the policy?

Is the premium the same regardless of student specialty?

What are the coverage limits available?

In which states is this program available?

U.S. States Available