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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.
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