Ck Specialty Insurance Associates, Inc. offers a robust Allied Health Insurance program designed specifically for complex and hard-to-place healthcare and social service risks. As a general agency and excess & surplus lines broker, Ck Specialty delivers customized Professional Liability (PL) and General Liability (GL) solutions for a wide range of allied healthcare providers and facilities.
Ideal Accounts and Appetite
This program is built for accounts that fall outside the appetite of standard markets. Whether your client operates a high-risk care facility or offers emerging health services, this program has the flexibility and underwriting expertise to respond. Target classes include, but are not limited to:
- Ambulance services (air, ground, patient transport)
- Alternative medicine providers
- Adult daycare centers
- Dialysis, nephrology, and hemodialysis centers
- Drug and alcohol rehabilitation facilities
- Hospice care providers
- Imaging centers (MRI, CT scan)
- Medical marijuana operations
- Psychiatric and behavioral health facilities
- Group homes and foster care services
- Urgent care and surgery centers
You might have a client running a cord blood and stem cell bank or overseeing a developmentally disabled group home—both are examples of accounts that may benefit from this program’s broad coverage and flexible underwriting.
Coverage Highlights and Advantages
Coverage is written on a claims-made basis for professional liability and either claims-made or occurrence for general liability. Prior acts coverage is available when needed. Key policy features include:
- Limits up to $25,000,000 on challenging classes
- Sexual abuse and molestation coverage
- Defense costs outside the policy limit
- Incident-triggered claims reporting
- Employment benefits liability
- Hired and non-owned auto liability
- WA stop gap coverage
- Computer network security liability
- HIPAA privacy liability, including notification costs
- Products liability and worldwide coverage
Underwriting Notes and Minimum Premiums
For low-exposure accounts, Ck Specialty can offer solutions starting at a $500 minimum premium with a $2,500 deductible. This flexibility makes it possible to quote a wide range of allied health risks, from niche practices to multi-location providers. If your client represents an unusual or emerging risk, Ck Specialty will work with you to find a viable solution.
Territories and Availability
This non-admitted program is currently available in Arizona, California, Colorado, and Texas. All carriers involved are A.M. Best rated A, ensuring financial strength and claims reliability.
Why Work With Ck Specialty Insurance Associates, Inc.?
Ck Specialty brings extensive experience in allied health and social services underwriting. Their ability to assess unique exposures and place difficult accounts makes them a valuable partner for agents and brokers seeking solutions outside the standard market. With access to high-limit options, flexible forms, and responsive service, Ck Specialty is well-positioned to help you place challenging healthcare risks.
Contact Ck Specialty today to learn more about their Allied Health Insurance program and how you can partner with them to meet your clients’ needs.
Frequently Asked Questions
What types of accounts are a good fit for this Allied Health program?
This program is ideal for hard-to-place healthcare and social service providers, including hospice care, drug rehabilitation, psychiatric facilities, imaging centers, and alternative medicine practitioners.
Is prior acts coverage available?
Yes, prior acts coverage can be included when needed, particularly for professional liability policies written on a claims-made basis.
What is the minimum premium for this program?
For low-exposure risks, the program offers coverage starting at a $500 minimum premium with a $2,500 deductible.
In which states is this program available?
The Allied Health Insurance program is currently available in Arizona, California, Colorado, and Texas.
Are the carriers involved financially stable?
Yes, all carriers used in this program are rated A by A.M. Best, ensuring strong financial backing and claims-paying ability.
Need help placing an account? Connect with a market specialist.