Health Care Facilities

Ideal Accounts and Appetite

This program is designed for a wide range of healthcare providers and facilities, both large and small. Target classes include:

• Skilled Nursing Facilities
• Assisted Living Facilities
• Rehabilitation Service Providers
• Long-Term Care Providers
• Emergency Medical Service (EMS) Providers
• Home Healthcare Providers
• Long-Term Acute Care Facilities
• Integrated Delivery Systems

Whether you're working with a small home health agency or a multi-location long-term care operation, RWO has flexible options to fit your client's needs. The program can also accommodate larger clinics that require combined corporate and individual professional liability coverage.

Coverage Highlights and Advantages

RWO’s Health Care Facilities program offers broad, customizable coverage built to address the unique exposures faced by medical service providers. Coverage options include:

• General Liability
• Professional Liability (including Nurses Professional)
• Property
• Auto
• Business Interruption
• Errors and Omissions
• Workers’ Compensation
• Identity Theft
• Information Security & Privacy
• Long-Term Care Liability
• Miscellaneous Medical Liability
• Innovative Concepts

For larger clinics, RWO offers a combined policy form that includes entity-level liability and individual physician coverage, each with separate limits. Optional enhancements such as Employee Benefits Liability and Directors & Officers coverage are also available.

Underwriting Notes and Program Advantages

As a non-admitted program, RWO can offer flexibility in underwriting and terms. Key program benefits include:

• Competitive Pricing
• Quick Turnaround Time – typically within 72 hours
• Free Facility Inspections
• Access to Multiple London Markets
• On-staff Risk Manager for proactive support
• Financially stable carrier partners

You might have a client operating a growing home health business expanding into multiple counties or a skilled nursing facility with a history of clean operations—these are ideal fits for this program.

Territories and Availability

This program is currently available in Maryland and South Carolina. Raley, Watts & O’Neill focuses on regional expertise, particularly in California, MD, Baltimore, and the Washington, D.C. area, ensuring local market knowledge and responsive service.

Why Work With Raley, Watts & O’Neill

With over 70 years of experience and a dedicated team focused on healthcare risks, RWO provides agents with the tools and support needed to serve this complex niche. Their commitment to fast service, thorough risk management, and broad market access makes them a strong partner for agents looking to place healthcare facility coverage effectively.