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Allied Healthcare & Social Services Professional and General Liability Insurance Ck Specialty Insurance Associates, Inc. offers a focused Allied Health Insurance program built for complex and hard-to-place healthcare and social service risks. As a general agency and excess & surplus lines broker, Ck Specialty places customized Professional Liability (PL) and General Liability (GL) coverage tailored to the needs of allied healthcare providers and facilities. Ideal Accounts and Appetite This program is intended for accounts that fall outside standard market appetite. It is flexible and responsive to higher-risk operations and emerging services. 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 Examples of accounts that may benefit from this program include a cord blood and stem cell bank with unique professional exposures or a developmentally disabled group home needing flexible forms and higher limits. Coverage Highlights and Advantages Professional liability is typically written on a claims-made basis; general liability may be offered on a claims-made or occurrence basis. Prior acts coverage is available when required. Key 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 Ck Specialty is set up to quote low-exposure accounts as well as complex placements. The program can write business with a $500 minimum premium and a $2,500 deductible for qualifying low-exposure risks. Underwriters will review operations, staffing, procedures, and risk controls; the company is willing to consider unusual or emerging exposures with supplemental information. Territories and Availability This is a non-admitted program available in Arizona, California, Colorado, and Texas. All carriers used in the program are rated A by A.M. Best, providing strong financial backing and claims-paying ability. Why Work With Ck Specialty Insurance Associates, Inc.? Ck Specialty offers underwriting expertise for allied health and social services that many admitted markets will not accept. Agents and brokers gain access to flexible forms, high-limit capacity, and experienced placement teams who can evaluate unusual exposures and structure tailored solutions. The firm’s excess & surplus lines capability helps you place hard-to-place risks while maintaining service and responsiveness. Contact Ck Specialty to discuss placing allied health and social service risks through their Allied Health Insurance program. 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 qualifying low-exposure accounts, 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.