Search CompleteMarkets

...ring structured support such as counseling, behavioral health treatment, nutri...nt centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that ...

...ral care, including nutritional counseling and outpatient services. With broad...ated treatment facilities offering counseling and support services. Are standa...

...ongregations — including clergy counseling E&O and coverage for daycare/presch...regate in many markets) and clergy counseling E&O. Exact limits and terms ...

Overview of the Program from Kaigler & Company Kaigler & Company offers a Miscellaneous Medical Professional program designed for small medical practices and new facility set-ups that lost coverage due to a recent carrier non-renewal. This market provides access to Lloyd’s and select domestic carriers and is positioned for straightforward primary care and other lower-to-moderate-exposure medical specialties. We provide underwriting flexibility for submissions that have a solid application and clean loss history, and we will require Kaigler & Company’s application to bind coverage. Ideal Accounts and Appetite Preferred: General practitioners (GPs), family physicians, and internists—single-provider or small group practices. Good fit: Clinic-based specialties without high surgical exposure, outpatient-only practices, urgent care centers with low surgical procedures. Case-by-case: Certain specialty clinics and multi-specialty groups—submit for review. Declined: OB/GYN, orthopedic surgery, and neurosurgery (neuro) – these specialties are not accepted in this program. Coverage Highlights and Advantages Access to Lloyd’s and other domestic carriers who will consider accounts displaced by larger carriers’ non-renewals. Underwriting willing to review “good” applications already completed by brokers; saves time on indications. Competitive terms for lower-exposure providers and new facility set-ups when underwriting criteria are met. Focus on placing professional liability (medical professional) coverage tailored to outpatient and clinic exposures. Underwriting Notes and Binding We can indicate terms from an existing, fully completed application you have already prepared. That indicated offer is preliminary—Kaigler & Company requires our own application to bind coverage. Typical underwriting considerations include practice location, claims and disciplinary history, scope of services, number of providers, and any surgical exposure. Clean applications with complete documentation are handled more quickly. Please disclose prior carrier non-renewals and the reason when available; non-renewals due to carrier-wide underwriting changes can often be placed if the practice meets the program’s appetite. Territories and Availability This program is available in the following states and districts: 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. Availability and terms will vary by carrier and state—submit to Kaigler & Company for state-specific eligibility and filings. Why Work with Kaigler & Company on Miscellaneous Medical Professional Business Specialized focus on displaced and newly established medical practices that need a fast, practical placement. Direct access to Lloyd’s and select domestic carriers that can respond to non-renewal situations. Practical underwriting that leverages a well-prepared application to speed indications while retaining Kaigler & Company’s binding requirements. Responsive broker support for submission preparation and carrier negotiation. Example scenarios where this program fits: you have a client who is a solo internist whose account was non-renewed when a large carrier exited a regional book—Kaigler & Company can evaluate and often place such risks. Or a new community clinic started by a group of family physicians that needs primary professional liability coverage for outpatient services. Frequently Asked Questions What types of accounts are a good fit for the Miscellaneous Medical Professional program?Primary care physicians (GPs, family practice, internists), outpatient clinics, and low-surgical-exposure specialties are preferred. Each submission is reviewed case-by-case; OB/GYN, orthopedic surgery, and neurosurgery are not eligible. Can you use an existing application to get an indication?Yes. If you’ve completed a thorough application, we can use that information to provide an indication. Final binding requires Kaigler & Company’s application and carrier-specific underwriting approval. How do you handle prior carrier non-renewals?We will review non-renewals. If the non-renewal was part of a broader carrier action rather than due to provider-specific conduct or claims history, the account may still be eligible—full disclosure and documentation help expedite review. Are there state restrictions or filing differences?Availability and terms vary by state and carrier. This program is offered in the states listed above; contact Kaigler & Company for state-specific eligibility and any admitted/non-admitted options. What information speeds the underwriting process?Provide a complete application, current loss runs, state licensing and disciplinary history, scope of services, and information about any procedures performed. A clear, accurate submission will get a faster indication and binding process. Need help placing an account? Connect with a market specialist.

Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist.

...elter related work Investment counseling Class action litigation Example ... law, tax-shelter work, investment counseling, and class action litigation are...

... and home-visiting services Counseling and referral agencies Food bank...shelters, food banks, group homes, counseling centers, and community outreach programs are well suited to this package. ...

...ociated with medical treatment, counseling, and patient management. Underwri...earn more about their full range of programs and capabilities. Frequently Ask...