Overview — Ashley General Agency Healthcare Products & Services Insurance
Ashley General Agency provides targeted General Liability and Professional Liability placement for health care–related risks in Texas. This program is designed for agents who need flexible GL and/or PL capacity for businesses such as adult day cares, medi-spas, medical product manufacturers and distributors, durable goods rental operations, social service providers, elderly care facilities, outpatient medical facilities and staffing agencies. Policies can be quoted mono-line (GL or PL) or combined into a packaged GL/PL policy depending on the account.
Coverage highlights
- Standard limits: $1,000,000 per occurrence / $2,000,000 aggregate (GL/PL).
- Higher limits: $5,000,000 available on both primary and follow-form excess layers.
- Excess capacity available on a stand-alone basis.
- Physical/sexual abuse coverage available as a stand-alone product.
- Employee Benefits and Non-Owned Auto coverage available and included within the General Liability limit where applicable.
- Carriers include Guide One Insurance Company, Admiral Insurance, and Kinsale Insurance Company.
Ideal accounts and appetite
This program suits a broad range of non-acute health care exposures where professional services and premises risk coexist. Typical fits include:
- Outpatient clinics and ambulatory surgical centers with limited inpatient exposure.
- Medi-spas and aesthetic clinics performing non-invasive procedures.
- Manufacturers and distributors of medical supplies and durable medical equipment.
- Durable goods rental businesses (e.g., respiratory equipment rentals).
- Adult day care, social services organizations, and assisted living support services with minimal skilled nursing operations.
- Health care staffing firms placing non-physician clinical personnel.
Underwriting notes and minimums
Underwriters review risk operations, procedures performed, employee training, product lines, and loss history. Accounts may be written on a mono-line basis (GL or PL) or packaged together when exposures overlap. The program operates on a non-admitted basis and is available in Texas only.
Minimum premium: $500. Larger or higher-severity accounts may require higher minimums, additional underwriting information, or placement on excess towers.
Common underwriting strengths and restrictions
- Strengths: flexible GL/PL packaging, access to admitted and excess capacity through experienced carriers, and stand-alone options for abuse coverage or excess limits.
- Restrictions: designed for outpatient, light-medical, product, and service providers — high-risk inpatient hospitals, long-term acute care with heavy medical procedures, or accounts with significant uncontrolled punitive exposures may not fit.
Example scenarios
- You represent a regional medi-spa performing laser treatments and minor injectables — the program can provide a combined GL/PL placement with professional limits and premises coverage.
- A distributor of medical devices with national shipments needs product liability and general liability — the program can quote PL and GL, with excess capacity up to $5M.
Territory and admission
Available in Texas. This program is offered on a non-admitted basis; confirm admissibility and placement details at submission.
Why place this business with Ashley General Agency?
As an experienced managing general agency, Ashley General Agency connects agents to carriers that understand the nuanced mix of premises and professional exposures common in outpatient health operations and medical product businesses. The program provides flexible structures (mono-line or packaged), access to excess capacity, and stand-alone abuse or excess solutions — helping you close business that may be difficult to place through standard markets.