Search CompleteMarkets

Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for general medical and surgical community hospitals with 100 beds or fewer. Both for-profit and non-profit facilities are eligible under this program, making it a versatile solution for a wide range of healthcare clients. Minimum premium requirement is $25,000, positioning this program for mid-sized risks with meaningful exposure. Coverage includes professional liability and general liability on a claims-made, non-admitted (surplus lines) basis. Additionally, workers’ compensation coverage is available on an admitted basis, offering a complete risk solution for qualifying hospitals. Overview of the Program From Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. provides a niche Community Hospitals insurance program designed to help agents and brokers place coverage for smaller hospitals operating in today’s complex healthcare environment. With underwriting support and access to AIG as the carrier, this program offers tailored solutions for the unique risks associated with community hospitals. Ideal Accounts and Appetite The ideal candidates for this program are general medical and surgical community hospitals with a licensed bed count of 100 or fewer. Both for-profit and non-profit organizations are eligible. The program is best suited for hospitals that provide direct patient care and have standard risk profiles for their size and scope. You might have a client who runs a 75-bed non-profit hospital in a rural area or a small for-profit surgical center serving a suburban community—both could be a strong fit for this offering. Coverage Highlights and Advantages Professional Liability – Claims-made, non-admitted coverage tailored for medical practice risk exposures. General Liability – Claims-made, non-admitted, addressing premises and operational liability. Workers’ Compensation – Offered on an admitted basis to meet statutory requirements. By combining key coverage lines into one program structure, Smith Bell & Thompson, Inc. simplifies placement and supports comprehensive protection for your healthcare clients. Underwriting Notes and Minimum Premiums A minimum premium of $25,000 applies, making this program most appropriate for hospital accounts with moderate to significant exposures. Underwriters will evaluate each submission based on services provided, claims history, and overall operational risk. Submissions should include complete details to ensure accurate and timely quoting. Territories and Availability This program is currently available in the following states: Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Agents operating in these regions can access specialized underwriting and competitive coverage solutions through Smith Bell & Thompson, Inc. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson, Inc. brings strong market relationships and a focused approach to healthcare facilities insurance. With direct access to AIG and a commitment to responsive service, they help agents secure quality coverage for complex hospital risks. Their experience in the healthcare niche ensures that submissions are reviewed with insight and efficiency. Frequently Asked Questions What types of accounts are a good fit for this program?General medical and surgical community hospitals with 100 beds or fewer, including both for-profit and non-profit facilities, are ideal candidates. What coverages are included in the Community Hospitals program?The program includes professional and general liability on a claims-made, non-admitted basis, and workers’ compensation on an admitted basis. Is there a minimum premium requirement?Yes, the minimum premium for this program is $25,000. Which states is this program available in?The program is available in Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Who is the carrier for this program?AIG is the carrier backing the Community Hospitals program offered through Smith Bell & Thompson, Inc. Need help placing an account? Connect with a market specialist.

Overview — Assurity Life Insurance Company: Hospital Indemnity Assurity Life Insurance Company’s Hospital Indemnity program (Assurity at Work) provides a straightforward hospital cash benefit designed for workplace voluntary programs and individual supplemental coverage. The plan pays a fixed daily benefit for covered inpatient stays, with flexible daily limits and optional riders that let you tailor protection to the client’s needs. Benefits are available in six-month and one-year maximum payment periods and the contract is guaranteed renewable to age 65. Coverage highlights Daily benefit range: $30 to $250 Choice of maximum benefit period: six months or one year No elimination period for injuries; choice of elimination period for sickness Guaranteed renewable to age 65 Interchangeable rider options to expand or customize coverage Riders available Family Rider Annual First Occurrence Hospital Rider Annual Wellness Benefit Rider Emergency Accident Rider Injury Hospital Indemnity Rider Hospital Indemnity Rider Accidental Death, Dismemberment and Paralysis Benefit Rider Outpatient Sickness Rider Intensive Care Unit Rider Private Duty Nurse Rider Surgery and Anesthesia Rider Surgery, Anesthesia and Additional Benefits Rider Ideal accounts and appetite This program is a good fit for: Employers offering voluntary or payroll-deducted supplemental benefits for employees (small to mid-sized groups). Agents placing individual or worksite hospital indemnity policies for clients who need predictable cash assistance during inpatient stays. Clients seeking simple, limited-duration inpatient benefits to help cover deductibles, lost wages, transportation, or incidental out-of-pocket costs related to hospitalization. Not a fit when clients require long-term institutional care, indefinite hospital coverage, or extensive medical expense reimbursement — this product is designed as a daily cash indemnity, not primary medical insurance. Underwriting notes and placement tips Daily benefit selections allow you to match benefit levels to payroll contributions or individual budgets — useful for voluntary worksite programs. No elimination period applies to injuries; sickness elimination periods are selectable, which can help manage pricing for higher risk groups. Benefit periods (six months or one year) limit exposure — make sure buyers understand the maximum payable days per claim period. Riders can broaden appeal (e.g., family coverage, ICU, surgery riders); evaluate which riders improve fit for your client’s population without exceeding budget constraints. Typical declines or restrictions may apply for applicants with recent hospitalizations or ongoing inpatient care needs; submit full medical details with applications to speed decisions. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Assurity Life Insurance Company Simple, easy-to-explain hospital cash benefits that work well in voluntary worksite programs and individual supplemental placements. Flexible daily limits and multiple riders let you create modular solutions for different employee or consumer segments. Guaranteed renewable to age 65 provides portability and predictable renewal expectations for clients. Designed for fast quoting and straightforward underwriting when complete information is submitted. Agent examples You might have a small employer who wants an affordable voluntary benefit to reduce employee financial stress after an inpatient stay — propose a $75–$150 daily benefit with an ICU rider and family rider to cover dependents. You might place an individual supplemental policy for a client who needs predictable cash to cover hospital coinsurance and transportation costs — select a daily benefit that matches their anticipated out-of-pocket exposure and add an annual first occurrence rider for added peace of mind. Frequently Asked Questions What are the available daily benefit amounts and maximum payment periods?Daily benefits range from $30 to $250. The policy offers maximum benefit periods of six months or one year, so total payable days are limited by the chosen period. Are there elimination periods for injury or sickness?There is no elimination period for covered injuries. For sickness, the policy offers selectable elimination periods — choose the option that best balances client cost and coverage needs. Which riders are most commonly used to expand coverage?Common rider selections include Family Rider, ICU Rider, Surgery and Anesthesia Riders, and Annual First Occurrence Hospital Rider. These let you customize the policy for employee groups or individual preferences. In which states can I place this hospital indemnity product?This program is available in most states listed on the storefront, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Check availability for the specific applicant state before quoting. What types of accounts are a good fit for placement with Assurity?Good fits include small to mid-sized employers offering voluntary worksite benefits and individuals seeking supplemental hospital cash protection. This product is less appropriate for cases needing long-term institutional care or comprehensive medical expense reimbursement. Need help placing an account? Connect with a market specialist.

What is Hospitality All-Risk Property Insurance? Hospitality all-risk property insurance is a c...that influence cost Insurers price hospitality property coverage based on loca...