Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers a comprehensive Allied Medical Insurance program designed to support the evolving needs of healthcare providers, facilities, and services. As a trusted General Agency and Excess & Surplus Lines Broker, we bring deep expertise in healthcare-related liability, employer and provider stop loss, and a wide range of allied medical risks. With access to a broad selection of markets and carriers, we help agents and brokers secure competitively priced solutions tailored to complex medical exposures.
Ideal Accounts and Appetite
Our Allied Medical Insurance program is suitable for a wide array of healthcare-related businesses and professionals, including but not limited to:
- Hospitals and hospital systems
- Physician groups and individual practices
- Long-term care facilities and nursing homes
- Miscellaneous medical facilities such as imaging centers and fertility clinics
- Home healthcare providers
- Medical billing and coding companies
- Behavioral health facilities, including halfway houses
- Federally Qualified Health Centers (FQHCs)
- Life sciences companies including pharmaceutical and medical device firms
This program is especially well-suited for accounts requiring tailored professional liability solutions, including hard-to-place risks or those with complex organizational structures such as Accountable Care Organizations (ACOs) or Integrated Delivery Organizations (IDOs).
Coverage Highlights and Advantages
We offer a wide range of coverages engineered to protect healthcare professionals and institutions from the unique liabilities they face. Coverage options include:
- Medical Professional Liability: Hospital, physician, long-term care, FQHC, and miscellaneous facility coverage
- Managed Care Liability: E&O and D&O for managed care entities, benefit plan sponsors, and ACOs
- Life Sciences: Coverage for pharmaceutical and medical device companies, including provider stop loss, HMO reinsurance, and MMSEA exposure solutions
- Specialty Solutions: Adverse health survey reimbursement, regulatory risk, Medicare Set-Aside liability, and loss portfolio transfers
Our underwriting team works closely with agents to structure custom accounts and asset protection strategies that align with each client’s operations and risk profile.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, coverage limits, and risk factors. We’ve successfully placed recent accounts such as:
- Home Healthcare – GL, E&O: $1M/$3M – $72,000
- Imaging Center – E&O: $1M – $31,000
- IVF Clinic – E&O: $3M/$5M – $126,000
- Medical Billing – E&O: $1M – $5,000
- Halfway House – E&O: $1M/$3M – $12,500
- Audiologist – E&O: $1M/$3M – $1,750
These examples reflect our broad appetite and flexibility in structuring limits and premiums to meet the needs of diverse medical businesses.
Territories and Availability
This program is available in all 50 states and the District of Columbia. Whether your client is based in a major metropolitan area or a rural setting, we can provide access to suitable markets and competitive terms.
Why Work With Atlantic Risk Specialists
Atlantic Risk Specialists, Inc./ARS-Latiff, LLC is a trusted partner for healthcare-related insurance needs. We bring:
- Extensive expertise across the healthcare liability spectrum
- Access to a wide range of carriers for both admitted and non-admitted placements
- Custom solutions for traditional and emerging healthcare risks
- Responsive service and skilled underwriting support
Whether you're placing a straightforward physician practice or a complex life sciences account, our team helps you deliver the right coverage at competitive pricing.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for healthcare providers, medical facilities, long-term care operations, medical billing firms, and life sciences companies.
Can you write business in all states?
Yes, the Allied Medical Insurance program is available nationwide, including all 50 states and Washington, D.C.
Do you offer solutions for non-traditional or hard-to-place risks?
Yes, we specialize in structuring solutions for complex and non-standard healthcare risks, including ACOs, FQHCs, and halfway houses.
What types of coverages are available under this program?
Coverage options include medical professional liability, managed care E&O/D&O, provider stop loss, regulatory risk, and more.
Is there a minimum premium requirement?
Minimum premiums vary by class and coverage type. We work with agents to find solutions that align with their clients' needs and budgets.
Need help placing an account? Connect with a market specialist.