Search CompleteMarkets

...l medical and surgical community hospitals with 100 beds or fewer. Both for-pr...s the carrier backing the Community Hospitals program offered through Smith Be...

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. 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, 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. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.

Hospitality Insurance Program from Cochrane & Company Cochrane & Company is proud to offer our specialized Hospitality Insurance Program, built to serve a wide range of food and beverage establishments. Backed by an A+ XV AM Best-rated carrier, this program provides access to both Admitted coverage in California and Non-Admitted options in other available states. Whether you're looking to place a neighborhood tavern or a busy catering operation, our program is designed to provide flexible, competitive solutions for your hospitality clients. Ideal Accounts and Appetite This program is tailored for a broad mix of hospitality businesses, including: Restaurants & Cafes Bars, Taverns, and Pubs Deli's and Pizza Parlors Take-Out Establishments Banquet Facilities and Caterers BYOB Restaurants Incidental exposures and BYOB operations are considered. Accounts with low alcohol receipts may be eligible for assault & battery coverage considerations. This flexible appetite allows you to confidently place a variety of small to mid-size hospitality risks. Example: You might have a client operating a combination dine-in and take-out pizza shop with a small catering side business—this program can address their unique blend of exposures under one tailored package. Coverage Highlights and Advantages The Hospitality Insurance Program offers a comprehensive suite of coverages and enhancements to protect against common industry exposures, including but not limited to: General Liability and Property coverage with limits up to $5,000,000 Liquor Liability available Employment Practices Liability Equipment Breakdown Crime coverage (small limits included; higher limits available) Additional Insured Endorsements available Silent on Assault & Battery for qualifying risks Specialized Tiered Rating Program for more competitive pricing Optional ancillary coverages are available for an additional premium, including: Employee Benefits Liability Hired and Non-Owned Auto Liability Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, location, and selected coverages. The program is underwritten with flexibility in mind, making it suitable for a range of small to mid-sized hospitality operations. Our team considers unique features like BYOB models and incidental exposures that may not fit traditional markets. Territories and Availability This program is currently available in the following states: California (Admitted), Idaho, Montana, Oregon, and Washington (Non-Admitted). We continue to evaluate expansion opportunities to meet agent demand in additional territories. Why Work with Cochrane & Company? As a trusted Managing General Agency with deep market access and underwriting expertise, Cochrane & Company delivers tailored insurance solutions for niche industries like hospitality. We understand the operational risks your clients face and provide responsive service to help you place business efficiently. Our strong carrier relationships and flexible program structure make us a valuable partner for hospitality accounts that require attention to detail and customized coverage. If you have questions about our Hospitality Insurance Program or need help evaluating a specific risk, don’t hesitate to reach out—we’re here to support your success. Frequently Asked Questions What types of accounts are a good fit for this Hospitality Insurance Program?The program is ideal for restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB establishments with low to moderate alcohol exposure. Is liquor liability available through this program?Yes, liquor liability coverage is available and can be tailored based on the insured’s alcohol sales and operations. What states is this program available in?The program is available in California (on an Admitted basis), and in Idaho, Montana, Oregon, and Washington (on a Non-Admitted basis). Are optional coverages offered?Yes, optional coverages such as Employee Benefits Liability and Hired & Non-Owned Auto Liability are available for an additional premium. What is the minimum premium for this program?Minimum premiums vary depending on the risk and selected coverages. Contact Cochrane & Company for a quote or to discuss specific accounts. Need help placing an account? Connect with a market specialist.

RMS Hospitality Group offers a specialized Bars & Taverns insurance program tailored for establishments that serve alcohol and face unique liability exposures. As a trusted Managing General Agency with access to various carriers, RMS Hospitality Group helps you secure competitive coverage for your hospitality clients in a wide range of states. Ideal Accounts and Appetite This program is designed for bars, taverns, lounges, nightclubs, and similar venues that serve alcohol and may offer live entertainment, dancing, or late-night hours. Ideal accounts include: Neighborhood bars and sports pubs Taverns with food service Live music venues Nightclubs with security staff You might have a client with a downtown bar that features live DJs and employs bouncers—this program is built to handle that kind of risk. RMS Hospitality Group understands the nuances of nightlife exposures and provides tailored solutions. Coverage Highlights and Advantages Key limits and coverage features include: General Aggregate Limit$2,000,000 Products-Completed Operations Aggregate$2,000,000 Personal & Advertising Injury$1,000,000 Each Occurrence Limit$1,000,000 Liquor Liability Limit$1,000,000 Fire Damage Limit (Any One Fire)$100,000 Medical Expense LimitExcluded Assault & Battery Available Up To$1,000,000 Excess Limits Available Up To$5,000,000 Hired/Non-Owned Auto Liability Limit$1,000,000 Underwriting Notes and Minimum Premiums Underwriting is tailored to address the operational risks of nightlife and hospitality businesses. Assault & Battery coverage is available, an essential component for venues with security or crowd control. Minimum premiums vary based on risk characteristics such as location, operations, and prior loss history. Submission requirements typically include a completed application and loss runs. Territories and Availability The Bars & Taverns program is available in most U.S. states. RMS Hospitality Group currently offers this program in all states except Alaska, Vermont, and West Virginia. Admitted status varies by state, and the program is written with various carriers depending on the risk and jurisdiction. Why Work With RMS Hospitality Group RMS Hospitality Group brings deep expertise in the hospitality and nightlife sector. Their focused underwriting approach, access to multiple markets, and commitment to responsive service make them a reliable partner for agents and brokers looking to place bars and taverns with confidence. Whether you're dealing with a new venture or an established venue with complex exposures, RMS Hospitality Group can help you find a solution that fits. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, taverns, nightclubs, lounges, and venues that serve alcohol and may feature live entertainment or dancing are strong candidates for this program. Is Assault & Battery coverage included?Yes, coverage for Assault & Battery is available up to $1,000,000, depending on underwriting approval. What states is this program available in?The program is offered in most states except Alaska, Vermont, and West Virginia. Availability may vary slightly depending on carrier and risk profile. Are excess limits available?Yes, excess liability coverage is available up to $5,000,000. What is the minimum premium for this program?Minimum premiums vary based on account characteristics such as location, operations, and loss history. Contact RMS Hospitality Group for specific underwriting requirements. Need help placing an account? Connect with a market specialist.

Hospitals Errors & Omissions Insurance of...of accounts are a good fit for this Hospitals Errors and Omissions Insurance program?This program fits hospitals, clinics, diagnostic labs, ambul...

RMS Hospitality Group offers a comprehensive restaurant insurance program designed to help insurance agents and brokers place business for a wide range of hospitality clients. Whether your clients operate fast-casual dining establishments, fine dining restaurants, or nightlife venues that serve food and alcohol, this program provides robust coverage options tailored to their unique risks. Ideal Accounts and Appetite This program is a strong fit for restaurants and hospitality venues of various sizes and formats, including: Full-service restaurants Fast-casual dining establishments Sports bars and taverns Cafés and bistros Restaurants with liquor sales You might have a client who owns a family-style restaurant with live music on weekends or a neighborhood tavern that serves both food and alcohol. These types of risks often face exposures related to liquor liability, slip-and-fall incidents, fire hazards, and customer altercations—all of which can be addressed through this well-structured program. Coverage Highlights and Advantages This program includes a broad range of commercial general liability and specialty coverages to help protect your clients’ businesses: General Aggregate Limit$2,000,000 Products-Completed Operations Aggregate$2,000,000 Personal & Advertising Injury$1,000,000 Each Occurrence Limit$1,000,000 Liquor Liability Limit$1,000,000 Fire Damage Limit (Any One Fire)$100,000 Medical Expense LimitExcluded Assault & Battery Available Up To$1,000,000 Excess Limits Available Up To$5,000,000 Hired/Non-Owned Auto Liability Limit$1,000,000 Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics and state, so you can work with RMS Hospitality Group to find a solution that aligns with your client's needs. The program is available on a mostly non-admitted basis, which allows for a greater range of underwriting flexibility—particularly beneficial for higher-risk or unique hospitality operations. Territories and Availability The restaurant insurance program is available in most U.S. states, excluding Alaska, Vermont, and West Virginia. Agents can place accounts in high-demand states like CA, TX, NY, FL, and more. Refer to the full list of available states for complete details. Why Work With RMS Hospitality Group? RMS Hospitality Group is a Managing General Agency with deep expertise in hospitality and nightlife-related risks. Agents benefit from access to multiple carriers, customized underwriting, and a team that understands the nuances of insuring restaurants, bars, and similar businesses. With a focus on fast turnaround and tailored solutions, RMS supports agents in writing and retaining complex hospitality risks with confidence. All States except: Alaska, Vermont, W. Virginia Frequently Asked Questions What types of accounts are a good fit for this restaurant insurance program?This program is ideal for full-service restaurants, fast-casual eateries, bars, taverns, and venues that serve both food and alcohol. Are liquor liability and assault & battery coverages included?Yes, both liquor liability and assault & battery coverages are available up to $1,000,000, depending on underwriting approval. Is this program available on an admitted basis?Most placements are on a non-admitted basis, allowing for greater flexibility in underwriting and pricing for unique or higher-risk accounts. What is the minimum premium for this program?Minimum premiums vary based on state, risk type, and coverage needs. RMS Hospitality Group will work with you to determine appropriate pricing. In which states is this program not available?This program is not available in Alaska, Vermont, or West Virginia. Need help placing an account? Connect with a market specialist.

The McGowan Companies — McGowan Program Administrators Hospitality Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan Program Administrators, offers a robust Hospitality Umbrella Insurance program that helps agents and brokers secure excess liability capacity for a wide range of commercial real estate and hospitality clients. As a program administrator with access to multiple carriers, McGowan delivers specialized underwriting, flexible layered limits, and solutions tailored to complex liability exposures. Ideal Accounts and Appetite This program targets insureds in the hospitality, commercial real estate, and light industrial sectors. Eligible classes include: Apartments Hotels and Motels Light Industrial Properties Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses The program is well suited to multi-location portfolios and regional operators who need higher liability limits or coordinated excess placement across properties. Example scenarios: You have a regional hotel chain seeking excess limits above primary policies for multiple properties — the program can place limits efficiently without shared policy limits. A property owner with several retail strip centers needs consolidated umbrella capacity with per-location aggregates — this program handles that structure. Coverage Highlights and Advantages McGowan’s Hospitality Umbrella Insurance offers features designed for hospitality and commercial property risks: Limits available from $1MM to $100MM Defense costs paid outside the coverage limits No shared limits — each insured receives its own policy and policy number No exclusion for real estate managers Aggregates calculated per location Available follow-form coverage includes: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability Underwriting Notes and Minimum Premiums Underwriting requires quality primary programs and focuses on operations, controls, and loss history. All underlying carriers must be rated B++ / VI or better. The program accommodates a range of risk profiles, but specific terms, retentions, and minimum premium requirements vary — please contact McGowan for underwriting criteria and minimum premium details. Territories and Availability This hospitality umbrella program is available nationwide, including all 50 states and Washington, D.C. Admitted or non-admitted placement will depend on state and carrier availability. Why Work With The McGowan Companies on This Business? The McGowan Companies brings decades of program administration experience and deep familiarity with hospitality and commercial real estate exposures. Their underwriting team provides: Access to multiple carrier partners for layered umbrella placements Specialized underwriting that understands property- and hospitality-specific liability risks Flexible structures (per-location aggregates, individual policy numbers) to meet portfolio needs Responsive service to help you move placements quickly If you need excess capacity for hotels, apartments, shopping centers, or mixed-use commercial portfolios, McGowan’s Hospitality Umbrella program is built to deliver stable capacity and practical placement mechanics. For more information on Hospitality Umbrella Insurance, please connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, motels, shopping centers, office buildings, light industrial properties, and similar commercial real estate or hospitality risks, including multi-location portfolios. What limits are available under this umbrella program?Limits range from $1 million up to $100 million, subject to risk profile and underwriting approval. Is this program available on an admitted basis?Admitted or non-admitted availability varies by state and carrier; the program is available nationwide. Are defense costs included within the limits?No. Defense costs are paid outside the policy limits, which can preserve limits for indemnity payments. What is required for the underlying insurance?Underlying carriers must have a minimum rating of B++ / VI or better; McGowan will also review loss experience and operational controls when underwriting. Need help placing an account? Connect with a market specialist.

Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

Since 1975, Leavitt Recreation & Hospitality Insurance has been a trusted source of insurance solutions for the camping and outdoor hospitality industry. We specialize in a surplus lines program — Campground and Park Insurance for Harder-to-insure risks — that gives agents access to markets designed for complex or elevated exposures. Overview of the Program From Leavitt Recreation & Hospitality Insurance As a Managing General Agency with decades of niche experience, Leavitt Recreation & Hospitality Insurance combines deep underwriting knowledge with strong carrier relationships to serve more than 1,200 camping resorts nationwide. Our surplus lines program helps you place campgrounds and parks that are difficult to place in the standard market due to high liability exposure, prior claims, or challenging locations. Ideal Accounts and Appetite This program is a good fit when you need a market for campgrounds, RV parks, and outdoor resorts that present elevated risk characteristics. Typical accounts include: Campgrounds with water features, zip lines, ropes courses, or other interactive activities RV parks or resorts with rental cabins, seasonal lodging, or long-term tenants Properties in coastal zones or areas exposed to high wind/hail or severe weather Operations with prior loss history, higher limits needs, or unusual recreational exposures We offer preferred terms and pricing for lower-risk locations and risk-managed operations, but the program is designed to accommodate more complex and harder-to-place risks through tailored underwriting. Coverage Highlights and Advantages Property coverage for buildings, contents, and equipment Auto coverage for owned vehicles, tow/service units and park maintenance vehicles General liability written with language and limits appropriate for recreational exposures Access to surplus lines coverages and endorsements not commonly available in admitted markets Responsive underwriting and efficient claims handling through experienced teams The program is underwritten by Penn America and is available on a non-admitted (surplus lines) basis. Underwriting Notes and Minimum Premiums Underwriters evaluate each submission for operations, exposure controls, and loss history. Submissions should include a completed application, a detailed description of operations, current loss runs, and any risk management procedures in place. Minimum premiums vary based on the size and complexity of the risk; provide full exposure details so we can identify an appropriate structure. Territories and Availability Our program writes business in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Please inquire for specific state availability and any state-specific requirements. Why Work With Leavitt Recreation & Hospitality Insurance Leavitt Recreation & Hospitality Insurance is the leading specialty MGA for campgrounds and camping resorts. Agents benefit from: Decades of industry-specific underwriting expertise Access to surplus lines capacity for difficult-to-place risks Dedicated service teams and experienced claims handling Competitive pricing for qualifying risks and flexible terms for complex accounts Examples of accounts you can place: a coastal RV resort with seasonal storms and prior hail claims that needs a tailored property program; or a campground adding a supervised ropes course and looking for combined liability and property solutions with customized endorsements. Contact us today at http://www.lrhinsurance.com to learn how we can help you place Campground and Park Insurance for Harder-to-insure risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for campgrounds, RV parks, and outdoor resorts with unique liability exposures, prior claims, or locations in coastal or severe-weather-prone areas. Is this program available on an admitted basis?No. This is a non-admitted surplus lines program, which allows us to consider and structure coverage for harder-to-insure risks. Can you write in coastal or wind/hail exposed territories?Yes. The program is designed to accommodate properties in challenging territories, including coastal zones and areas exposed to high wind or hail. What carrier backs this program?This program is underwritten by Penn America, a carrier experienced in surplus lines and specialty hospitality risks. What submission documents are needed?Provide a completed application, detailed description of operations, current loss runs, and any documented risk management or safety procedures to speed underwriting and placement. Need help placing an account? Connect with a market specialist.

...any, Inc. offers a comprehensive Hospitals & Healthcare Organization Insur...s program?This program is ideal for hospitals, clinics, assisted living facili...