NAS Insurance Services — Medical Malpractice Insurance (Allied Healthcare)
NAS Insurance Services offers a broad Allied Healthcare Medical Malpractice program designed for independent agents and brokers seeking E&S solutions for allied and ambulatory healthcare providers. Limits for Professional and General Liability are available up to $6,000,000 through Lloyd’s of London and other highly rated carriers. This program is written on a non-admitted / Excess & Surplus basis.
Ideal accounts and target classes
The program targets a wide range of allied healthcare and outpatient operations. Typical eligible classes include:
- Certified Nurse Anesthetists
- Dental clinics
- Diagnostic imaging and X-ray clinics
- Dialysis centers
- Drug & alcohol rehabilitation centers
- Drug testing and medical testing labs
- Health & fitness centers and medical spas
- Home health agencies and nurse registries
- Medical clinics, surgi-centers, and psychiatric hospitals
- Mental health and physical therapy clinics
- Opticians, optometrists, and pharmacists
Coverage highlights and advantages
NAS’ Medical Malpractice Insurance includes market-competitive features tailored for allied healthcare risks:
- Policy limits available up to $6,000,000 for Professional and General Liability.
- Sexual misconduct and molestation liability available by endorsement.
- Defense-in-addition to the limits available by endorsement.
- MEDEFENSE™ endorsement for HIPAA, EMTALA and Stark-related defense exposure.
- e-MD™ coverage for customer notification and credit monitoring costs, network security/privacy, data recovery, and media liability.
- Hired & Non-Owned Auto available where appropriate.
- Punitive damages covered where insurable by law.
Underwriting notes and typical appetite
NAS underwriters look for allied healthcare operations with clear clinical controls, documented procedures, and appropriate staff credentials. This program is well suited to outpatient and ambulatory settings, clinics, and professional practices that want robust malpractice protection with specialty endorsements. Accounts with stable loss experience and strong risk management profiles are preferred.
Accounts that may need special review or could be outside appetite include high-severity surgical hospitals, unusual experimental procedures, or entities requiring admitted paper in jurisdictions where admitted coverage is mandatory.
Minimum premiums and placement
Minimum premium: Varies by class, limits, and state. Because this program is placed on a non-admitted/E&S basis through Lloyd’s and other markets, premiums and terms will reflect risk profile and selected endorsements. Typical submission items include a completed application, current loss runs, description of services offered, and provider credentials.
Territories and availability
Available in the following jurisdictions: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Coverage is provided on a non-admitted (E&S) basis; confirm state eligibility on submission.
Why place allied healthcare malpractice with NAS Insurance Services?
As a Managing General Underwriter and E&S broker, NAS combines specialty underwriting with access to Lloyd’s and other A-rated carriers to provide flexible wording and endorsements that many admitted markets do not offer. The program is built for brokers who need tailored malpractice solutions for allied providers, including coverage for privacy/network exposures and sensitive endorsements like sexual misconduct or defense-in-addition.
Example scenarios where this program fits:
- An outpatient dialysis center seeking limits above standard admitted offerings and cyber/privacy coverage for patient records.
- A multi-site medical spa wanting professional liability with optional sexual misconduct and data breach support via e-MD™.
Contact NAS Insurance Services to discuss appetites, available endorsements, and submission requirements for your allied healthcare clients. Place complex allied healthcare risks where you need tailored E&S solutions and specialty endorsements.
Frequently Asked Questions
What types of allied healthcare accounts are a good fit for this NAS program?
Clinical and outpatient operations such as dental clinics, imaging centers, home health agencies, medical testing labs, medical spas, physical therapy clinics, nurse registries, and similar allied providers with documented procedures and credentialed staff.
What limits and special endorsements are available?
Limits up to $6,000,000 for Professional and General Liability. Endorsements include sexual misconduct and molestation (by endorsement), MEDEFENSE™ for HIPAA/EMTALA/Stark exposure, e-MD™ for breach response and privacy/network liability, Defense-in-Addition, hired & non-owned auto (where appropriate), and punitive damages where insurable.
Is this coverage admitted or non-admitted?
This program is offered on a non-admitted / Excess & Surplus basis through Lloyd’s of London and other highly rated carriers. Confirm state eligibility and surplus lines requirements at submission.
What submission materials does NAS typically require?
Common items include a completed application, current loss runs (usually 5 years), a description of services and procedures, provider CVs/licenses, and any risk-management or clinical protocols relevant to the exposure.
Need help placing an account? Connect with a market specialist.