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... AFC Insurance Inc. offers the Hotlines Insurance program within its Health ...arriers are available through AFC’s Hotlines Insurance program?The program is ...

Physicians, surgeons, and nurses have many professional liability options—but allied healthcare professionals often do not. Professional Liability Insurance Services, Inc.® (PLIS®) fills that gap. Our Allied Medical Errors & Omissions Insurance program provides tailored E&O protection for more than 50 allied medical and healthcare-related professions, helping you place clients who don’t fit traditional medical malpractice policies. Ideal Accounts and Appetite This program targets non-physician healthcare and wellness professionals that need customized E&O coverage. Common classes we place include: Adoption placement services Chiropractic assistants Diagnostic X-ray and imaging technicians Drug & alcohol detox facilities Health and fitness centers Home health agencies Massage therapists Occupational therapy clinics If you represent allied health professionals who fall outside standard medical malpractice forms—such as therapy aides, diagnostic service providers, or placement agencies—this program is designed for those risks. Coverage Highlights and Advantages The Allied Medical E&O program is written on a claims-made and reported basis and is offered on a non-admitted platform through Certain Underwriters at Lloyd’s. Limits are available from $100,000 to $5,000,000, with multiple deductible options so you can tailor terms to a client’s risk tolerance and budget. Policyholders also get access to the SRM® 800 “Hotline” service, an unlimited telephone risk management consultation provided by Specialty Risk Management®. The hotline supports insureds on E&O exposures and has handled more than 250,000 client interactions since 1992. Underwriting Notes and Minimum Premiums All submissions are subject to individual underwriting. Premiums depend on the class of business, chosen limits, deductibles, and the account’s specific risk characteristics. Provide a completed application and any available loss history for the quickest and most accurate response from PLIS® underwriting. Territories and Availability This program is available nationwide on a non-admitted basis in all 50 states and Washington, D.C., allowing you to place allied health risks across the country. Why Work With PLIS® As a program administrator focused on professional liability, PLIS® understands allied health exposures. We combine specialized underwriting, a partnership with Lloyd’s for capacity, and value-add risk management through the SRM® hotline to offer a practical solution for brokers placing niche healthcare accounts. In addition to Allied Medical E&O, PLIS® places Miscellaneous E&O (covering 210+ professional categories), Cyber Liability, and Real Estate E&O — useful options when clients have mixed exposures. All coverage features are subject to underwriting and may vary by account. This information is not a guarantee of quote or coverage. Refer to policy wording for complete details. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits allied healthcare professionals such as massage therapists, imaging technicians, home health agencies, occupational therapy clinics, adoption/placement services, and other non-physician providers who need tailored E&O protection. Is this coverage available on an admitted basis?No. Allied Medical E&O is offered on a non-admitted basis through Certain Underwriters at Lloyd’s. Are there minimum premium requirements?Premiums vary by class, limits, deductibles, and risk profile. Contact PLIS® underwriting with the completed application and loss history to determine pricing for a specific account. What is the SRM® Hotline, and who can use it?The SRM® Hotline is a free, unlimited telephone risk management consultation available to insureds in the program. It provides practical guidance on E&O exposures and risk-reduction strategies. Is this program available nationwide?Yes. PLIS® offers this program on a non-admitted basis in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

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Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following states: 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. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.

Attorneys Advantage Professional Liability Insurance Program The Attorneys Advantage program, administered by Affinity Specialty Program Network (ASPN), delivers professional liability (malpractice) insurance specifically for law firms with 1 to 50 attorneys. Backed by more than a decade of underwriting experience and strategic carrier relationships—including Liberty Insurance Underwriters Inc. (a Liberty Mutual company) and SPARTA Insurance Company—this program has placed coverage for over 21,000 attorneys nationwide. Overview for Agents and Brokers Attorneys Advantage is built for agents who need a reliable, straightforward market for lawyers and law firms. The program combines online submission and purchasing for qualifying accounts with hands-on underwriting for more complex risks. ASPN also accesses alternative market solutions when standard placement is difficult, giving you options for clients with prior claims or niche practices. Ideal Accounts and Appetite Attorneys Advantage fits a wide range of law practices, particularly: Solo practitioners and small to mid-sized firms (up to 50 attorneys) General practice and common specialty areas with established risk-management processes Firms seeking competitive rates and practical coverage wording Hard-to-place firms that may be eligible through ASPN’s alternative market placements Appetite is broad but focused on firms that maintain professional controls and file-handling procedures. Extremely high-exposure specialties or firms with ongoing, large indemnity histories should be submitted for review—ASPN can often identify a standard or alternative route rather than a hard declination. Coverage Highlights and Advantages Professional liability coverage available across the United States Underwritten by Liberty Insurance Underwriters Inc. or SPARTA Insurance Company, with alternative-market access for difficult risks Online application and bind options for eligible accounts to speed placement Competitive rates, flexible limits, and tailored coverage structures for firm size and practice mix Dedicated legal-liability underwriting and servicing team for responsive support ASPN complements coverage with proactive risk-management services designed to reduce claims frequency and severity. Risk Management and Value-Added Services Policyholders receive several practical resources: The Quarter Hour – a quarterly risk-management newsletter for policyholders Confidential risk-management hotline for claim avoidance consultation Access to the Attorneys Risk Management Resources Website, managed by Hinshaw & Culbertson LLP Periodic risk-management seminars and materials focused on claim prevention These services help insured firms tighten procedures, reduce exposure, and demonstrate sound risk controls to underwriters. Additional Coverages Attorneys Advantage also places related coverages commonly needed by law firms: Business Owners Policy (BOP): Property and liability protection for offices, equipment, client files, and law libraries Workers’ Compensation: Available for new and existing firms with streamlined billing and quick turnarounds Employment Practices Liability: Defense and indemnity for employment-related claims Underwriting Notes and Minimum Premiums Minimum premiums vary by firm size, state, and risk profile. ASPN works with agents to evaluate submissions and determine whether an account fits a standard carrier or requires alternative-market placement. Provide detailed exposure information, claims history, and risk-management documentation to accelerate review. Territories and Availability Attorneys Advantage is available in all 50 states and Washington, DC. Coverage may be placed on a non-admitted basis depending on the carrier and state regulations. Why Place Legal Professional Liability with ASPN ASPN specializes in legal-professional programs and combines deep sector knowledge with access to primary and alternative markets. You’ll get responsive underwriting, risk-management tools for your clients, and the flexibility to place both routine and challenging accounts. Whether you need a quick, online bind for a qualifying solo practitioner or a tailored placement for a firm with prior claims, ASPN offers practical solutions and service to help you close the business. Example accounts A single-attorney general-practice firm seeking an affordable primary malpractice policy and online bind capability. A 15-attorney mid-sized firm with a prior small claim but solid risk-management programs — submitted to ASPN for standard or alternative placement. Insurance license information Frequently Asked Questions What types of law firms are eligible for the Attorneys Advantage program?The program is designed for law firms with 1 to 50 attorneys, including solo practitioners and mid-sized practices. Firms with complex or hard-to-place exposures may also be eligible through ASPN's alternative markets. Is the Attorneys Advantage program available in all states?Yes, the program is available in all 50 states and Washington, DC. Coverage may be placed through different carriers depending on state-specific guidelines. What carriers underwrite coverage for this program?Coverage is underwritten by Liberty Insurance Underwriters Inc. (a Liberty Mutual company) or SPARTA Insurance Company. Alternative markets are also available for more difficult risks. Does the program include risk management support?Yes, policyholders receive access to newsletters, risk management seminars, a confidential hotline, and a dedicated online resource center for legal professionals. Can I access other coverages through ASPN for my legal clients?Yes, ASPN also provides access to Business Owners Policies, Employment Practices Liability, and Workers’ Compensation tailored for law firms. Need help placing an account? Connect with a market specialist.

No matter how well your insureds manage the workplace, employment-related claims can still arise—and defending them can be expensive. Professional Liability Insurance Services, Inc.® (PLIS) offers the ESI – Employment Practices Liability Insurance program to help agents place EPLI for clients across industries and company sizes. The program combines broad coverage, flexible underwriting, and fast turnaround supported by experienced underwriters and risk management partners. Ideal Accounts and Appetite The ESI-EPLI program is designed for employers of all sizes—from small local operations to large multi-state companies. It fits clients across industries including tech, healthcare, manufacturing, retail, and professional services. The program is particularly useful for employers with: Employees in multiple states with differing compliance requirements Concerns about wrongful termination, discrimination, or harassment claims Exposure from prior acts or recent downsizing/reorganization Need for EEOC administrative defense coverage and real-time HR/legal support Coverage Highlights and Advantages Underwritten by Certain Underwriters at Lloyd’s (A.M. Best rated A), ESI-EPLI provides robust core protection plus value-added services: First-dollar coverage for EEOC administrative proceedings (up to $2,500) before the deductible applies Up to 50% deductible reduction available Prior-acts coverage with a premium discount for inception coverage Optional third-party liability (discount available if excluded) Coverage for FMLA, EPA, WARN Act, USERRA, and reorganization/downsizing exposures where insurable Broad definitions for discrimination, harassment, and inappropriate conduct Punitive, exemplary, and liquidated damages covered where insurable Oral or written complaints accepted under broad reporting language Claims-made-and-reported form with duty-to-defend and policy-paid defense on behalf of the insured Limits available up to $5M/$10M, with optional defense outside the limits for an additional premium Risk Management Services PLIS partners with Specialty Risk Management® (SRM®) to deliver complimentary and pay-for services that reduce claims frequency and severity: Free handbook and policy review or sample policies Free unlimited access to a 1-800 hotline for immediate HR and legal guidance Additional services such as on-site investigations, train-the-trainer, and supervisor training available for a nominal fee Underwriting Notes and Minimum Premiums There is no set minimum premium, so the program is accessible for small and midsize accounts as well as larger employers. Most submissions receive a 24–48 hour indication; agents can begin with a one-page short-form worksheet for a non-binding quote. Original documentation is not required at submission, and premium financing is available. Territories and Availability ESI-EPLI is available nationwide—licensed in all 50 states and Washington, D.C.—and is placed on a non-admitted basis through Lloyd’s of London. PLIS works with agents to address surplus lines compliance and filing requirements where applicable. Why Work With PLIS on EPLI? PLIS specializes in professional and management liability products with hands-on underwriting support—real people who help you place business quickly. The firm combines competitive pricing, flexible terms, and Lloyd’s capacity to handle complex or multi-state exposures. Agents benefit from fast turnaround, risk-management resources, and an underwriting team familiar with employment liability nuances. Frequently Asked Questions What types of accounts are a good fit for the ESI-EPLI program?Any size employer across industries can qualify. The program is especially well suited for multi-state employers, organizations facing organizational change, or companies with prior acts exposure. Is prior acts coverage available?Yes. Prior acts coverage is available and a premium discount may apply when adding inception/prior-acts protection. Can small businesses qualify?Yes. There is no fixed minimum premium requirement, making the program accessible to smaller employers as well as larger accounts. What risk-management support do insureds receive?Insureds receive free access to a 1-800 HR/legal hotline and a complimentary handbook or policy review. Additional training and on-site services are available for a fee. How quickly can I get an indication?Most submissions receive a 24–48 hour turnaround. Agents can submit a one-page short-form worksheet for a non-binding indication without original documentation up front. Need help placing an account? Connect with a market specialist.

Product recalls can be complex, costly, and damaging to your client’s brand and bottom line. A swift, well-managed recall demonstrates a company’s commitment to safety, quality, and consumer trust, while a poorly executed one can result in reputational harm, lost revenue, and legal complications. Overview of the Product Recall Insurance Program from CoverXSpecialty CoverXSpecialty offers a comprehensive Product Recall Insurance program designed to protect your clients from the financial and operational fallout of a product recall. Through a combination of traditional insurance and consultative services, this program provides robust support before, during, and after a recall event. With experienced underwriters who understand the nuances of both U.S. and international recall exposures, CoverXSpecialty delivers tailored solutions across a wide range of industries. Ideal Accounts and Appetite This program is designed for businesses that manufacture, import, distribute, or sell consumable or consumer products, as well as component parts. Target classes include: Consumable Products: Food and beverage companies, cosmetics, tobacco, pharmaceuticals, and pet food (excluding animal feed). Includes suppliers, co-packers, processors, bottlers, importers, distributors, packagers, and wholesalers. Consumer Goods: Finished products in categories such as appliances, electronics, clothing, furniture, household items, children’s products, and sporting goods. Risks may include manufacturers, importers, retailers, and wholesalers. Suppliers & Component Parts: Manufacturers and distributors of components used in general manufacturing and automotive industries. For automotive, Tier 1–4 only. Restaurants: Local and regional restaurant chains, including franchisees. National chains may be considered for high excess layers. Example: You might have a client who is a regional snack food manufacturer or a supplier of plastic parts to an automotive OEM. This program can help mitigate their exposure in the event of contamination, defect, or mislabeling. Coverage Highlights and Advantages Base policy includes coverage for recall and consultant costs with no self-insured retention (SIR) and no limit on consultant services. Policyholders can customize coverage with available add-ons such as: Loss of Profit Replacement Costs Rehabilitation Expenses Customer Loss of Gross Profit And more 24/7 emergency hotline for immediate access to recall consultants. 10% of net premium available annually to fund loss mitigation efforts. Underwriting Notes and Minimum Premiums There is no stated minimum premium, making this program accessible for a range of business sizes. Underwriting is handled by dedicated professionals with deep industry knowledge, which allows for thoughtful customization based on your client’s unique exposures and risk profile. Territories and Availability This non-admitted program is available in all 50 states plus the District of Columbia. CoverXSpecialty brings non-admitted flexibility to offer tailored solutions in jurisdictions across the U.S., helping you find coverage when standard markets may fall short. Why Work With CoverXSpecialty As both a general agency and carrier, CoverXSpecialty brings a unique blend of underwriting authority and market access. Their product recall team includes some of the most experienced professionals in the industry, offering you and your clients access to coverage and insights typically reserved for large corporations. From pre-incident planning to post-recall recovery, CoverXSpecialty is a true partner in managing product recall risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and distributors of consumable goods, consumer products, component parts, and regional restaurant chains. Can coverage be customized to fit specific client needs?Yes, policyholders can tailor their coverage with optional add-ons such as Loss of Profit, Rehabilitation Expenses, and more. Is there a minimum premium requirement?No specific minimum premium is required, making the program suitable for a wide range of business sizes. Does the policy include access to consultants during a recall event?Yes, the program includes unlimited access to recall consultants through a 24/7 emergency hotline, with no SIR applied. In which states is this program available?The program is available in all 50 states and the District of Columbia on a non-admitted basis. Need help placing an account? Connect with a market specialist.

Dental Professional Liability Insurance With dental practice continually evolving, Affinity Healthcare offers the Dentist's Advantage Dental Professional Liability Insurance program — a market-leading professional liability product designed specifically for dental professionals. The program combines broad forms, flexible limits, and industry-focused risk management to help you place dental malpractice coverage for a wide range of dentists and dental practices. Program Highlights Occurrence and claims-made forms available Flexible limits up to $5 million per occurrence / $6 million aggregate Defense costs paid in addition to policy limits Licensure board hearings defense coverage included Definition of “insured” includes employees and independent-contractor hygienists Free tail coverage at retirement for eligible insureds Free locum tenens coverage up to 120 days per year Consent-to-settle provision No dental specialties excluded Premium credits available Risk Management Support 24-hour risk management hotline staffed by dental colleagues Quarterly newsletters with legal and risk-management tips Online access to electronic forms designed to reduce claims exposure Additional Insurance Available Business Owners Package Corporate Identity Protection General Liability Business Auto Commercial Umbrella Workers' Compensation Endorsing Professional Associations Academy of General Dentistry (AGD) National Dental Association (NDA) Hispanic Dental Association (HDA) National Society of Dental Practitioners (NSDP) Overview of the Program from Affinity Healthcare This Dentist's Advantage program is administered by Affinity Healthcare and underwritten by National Union Fire Insurance Company of Pittsburgh, PA. The program is built for agents who need a dental-specific professional liability market with comprehensive forms, risk-management resources, and flexible limit options. Ideal Accounts and Appetite This program targets general dentists, multi-dentist practices, and specialists across dental disciplines — including those who perform restorative, endodontic, oral surgery, and other procedures. It is appropriate for solo practitioners up to small and mid-sized group practices. The program accepts accounts that want robust defense-in-addition language, licensure hearing representation, and locum coverage. Accounts that may not fit include extremely high-risk specialty practices with unusual procedural exposures or locations requiring specialized coverage outside the standard appetite — consult underwriting for borderline or complex risks. Coverage Highlights and Advantages Key advantages for your dental clients include both occurrence and claims-made options, high per-occurrence and aggregate limits, defense costs outside the limits, and a consent-to-settle clause. The program’s broad definition of insureds and included locum and retirement tail features simplify placement for practices with staffing changes and retiring partners. Underwriting Notes and Minimum Premiums Underwriting focuses on practice size, procedural mix, claims history, and risk-management practices. Affinity Healthcare supports placement with a dedicated underwriting team knowledgeable about dental exposures. Minimum premium: $1,500. For accounts with prior claims, significant surgical exposure, or novel procedures, provide full loss runs and procedure mix up front to expedite review. Territories and Availability Available through Affinity Healthcare nationwide in the states listed: 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. Admitted-status: All Available States. Confirm state availability and admitted/non-admitted placement with underwriting when quoting. Why Work With Affinity Healthcare for Dental PL Program administrator experienced in dental professional liability markets National carrier capacity through National Union Fire Insurance Company of Pittsburgh, PA Industry-specific risk-management services and 24/7 hotline Flexible forms and limits to meet diverse practice needs Example Accounts a Good Fit A solo general dentist performing routine restorative and endodontic procedures seeking occurrence coverage and free tail at retirement. A two- to five-provider family practice with hygienists (employees and independent contractors) that needs locum coverage and licensure hearing defense included. Dentist's Advantage - Your Dental Professional Liability Insurance solution for your clients Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of dental practices are a good fit for this program?This program fits solo practitioners, small group practices, and many dental specialists. It is best for practices that want broad forms, defense-in-addition language, locum coverage, and included licensure-hearing defense. For high-risk surgical specialty accounts, consult underwriting before submission. Do you offer both occurrence and claims-made coverage?Yes. Affinity Healthcare offers both occurrence and claims-made policy forms. Choose the form that best matches your client’s needs and retirement or tail expectations. What minimum information speeds up the underwriting review?Provide recent loss runs, a breakdown of procedures and sources of revenue, staff composition (employees vs. independent contractors), and any prior disciplinary history. These items help expedite decisions and accurate pricing. Is locum tenens coverage included?Yes — free locum tenens coverage is available up to 120 days per year as part of the core program features. What is the minimum premium and carrier capacity?The program’s minimum premium is $1,500. Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, providing national capacity for the program. Need help placing an account? Connect with a market specialist.

...ort, media management, and 1-800 hotlines for consumer inquiries. Underwriti...