At U.S. Risk Insurance Group, Inc., our healthcare underwriting team delivers a tailored approach to miscellaneous healthcare insurance by combining placement, proactive risk management and claims support into a single program. With a full-service focus, we provide competitive terms for miscellaneous healthcare liability coverage plus ongoing, in-house service to help your clients manage exposures over time.
Classes of Business — Typical Appetite
This program targets a broad mix of miscellaneous healthcare classes. Examples include:
- Adult Day Care
- Alcoholic & Drug Centers
- Ambulance Service (non-emergency)
- Assisted Living Facilities
- Artificial Limb Fitters
- Chiropractors, Optometrists, Opticians
- Clinics, Medical Clinics and Labs, Diagnostic Imaging Labs, X-Ray Labs, MRI Labs, Testing Labs
- CRNAs, Paramedics, Emergency Medical Technicians
- Counselors, Marriage and Family Counselors, Mental Health Counselors, Psychologists, Therapists
- Dental Hygienists
- Group Homes, Personal Care Homes, Home Health Care Agencies, Nurse Registries
- Hearing Aid Fitters/Vendors, Pharmacies
- Medi-Spas, Medical Billing and Transcription Services
- Surgery Centers, Veterinarians, Wilderness Therapy
Fastest growing classes: Clinics and labs, CRNAs, group homes, and home health care agencies.
Territories and Market Positioning
Available in most markets, including both admitted and excess & surplus placements where required. This program writes business in the following jurisdictions:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
We work with multiple carrier partners to offer admitted or excess & surplus options as appropriate for the risk profile and state rules.
Submission Checklist
When submitting, include: completed application, description of operations, revenue and payroll breakdown, current loss runs (five years preferred), and any credentialing or licensing information. Detailed loss history and documentation of screening or training programs speed underwriting and improve placement outcomes.
What types of accounts are a good fit for this miscellaneous healthcare program?
Smaller to mid-size healthcare operations with professional and general liability needs — examples include clinics, diagnostic labs, home health agencies, CRNAs, and group homes. Appetite is broad but each risk is reviewed on its individual exposures and loss history.
Is sexual abuse/molestation coverage available and any special requirements?
Yes, sexual abuse/molestation coverage is available subject to underwriting. Requirements typically include screening and hiring practices, staff training documentation, and loss history review.
Are admitted and surplus lines placements both available?
Yes. We access multiple carriers and can place business in admitted markets where available or use excess & surplus lines solutions when necessary, depending on state rules and the risk profile.
What is the minimum premium and deductible?
The program’s minimum premium generally starts at $1,000, with minimum deductibles typically starting at $1,000. Final terms depend on class, limits and underwriting results.
What information speeds an underwriting decision?
Provide a complete application, five years of loss runs (if available), revenue/payroll details, and a clear description of operations. For certain classes, include credentialing, licenses and any risk control or training programs you have in place.