https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/high-value-homeowners-insurance/
https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/allied-healthcare/
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.
https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/architects-and-engineers-insurance/
Continental Risk / Continental Marine Insurance Services offers a focused Architects and Engineers (A&E) Insurance program that helps agents place reliable professional liability protection for design professionals. We understand the exposures A&E firms face — from alleged design errors and construction-phase claims to regulatory and disciplinary actions — and we deliver admitted coverage in most states through our carrier relationships and underwriting expertise.
Our program is designed for agents and brokers who need flexible, market-ready solutions for small firms up to large consultancies. We provide access to competitive admitted markets in most states, options for project-specific excess limits, and policy features that address evolving risks such as green building, BIM services, and international project exposures.
Ideal Accounts and Appetite
This A&E program is a fit for a broad range of design professionals, including:
Architects and architectural firms
Civil, structural, electrical, and mechanical engineers
Landscape architects and land surveyors
Interior designers and urban planners
LEED-certified professionals and firms using BIM technology
We consider both start-ups and established practices. Accounts with green building projects, sustainable design elements, or complex multi-jurisdictional work match the program well. We also welcome clients returning from other carriers — loyalty credits may apply for certain renewals previously written with markets like Markel.
Example placements you might bring:
A mid-size civil engineering firm performing municipal infrastructure design with occasional international consulting assignments.
An architectural studio specializing in LEED-certified multifamily projects that needs admitted coverage and available project-specific excess limits.
Coverage Highlights and Advantages
Key features agents can offer through this program include:
No pollution exclusion — coverage can be available for claims involving pollution-related liabilities.
Worldwide coverage — protection extends to international projects and exposures where admitted placement is acceptable.
Broad definition of professional services — includes Green, LEED, and BIM-related services.
Excess limits — additional limits can be placed for specific designated projects.
Supplementary payments — standard supplementary payments are included.
Regulatory and administrative actions — coverage up to $25,000 for ADA, FHA, OSHA and similar matters.
Loss of earnings and expenses — up to $500/day, $15,000 total.
Subpoena and record request coverage — up to $5,000.
Professional license and disciplinary proceedings — up to $50,000.
Underwriting Notes and Minimum Premiums
Minimum premiums and terms depend on the firm’s scope of services, annual revenue, project types, and claims history. Underwriters assess exposures such as construction-phase services, contract wording, and international work when quoting. We can consider excess capacity and project-specific limits for higher-value placements.
Territories and Availability
Admitted coverage is available in most states. This program is currently offered 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 Work With Continental Risk / Continental Marine Insurance Services?
As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services pairs specialized underwriting knowledge with broad market access for design professionals. Agents benefit from responsive service, pragmatic underwriting tailored to A&E exposures, and the ability to place both standard and complex risks.
Whether your client is expanding into sustainable construction, managing multi-state projects, or seeking project-specific excess limits, our team can help you identify appropriate admitted markets and craft policy terms that address the client’s professional exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for architects, engineers, LEED-certified professionals, and firms involved in sustainable design or complex projects.
Is coverage available in all states?Admitted coverage is available in most U.S. states, including major markets such as CA, TX, NY, and FL.
Are project-specific excess limits available?Yes. We can place excess limits tailored to designated projects when higher coverage amounts are required.
Does the policy cover regulatory and administrative actions?Yes. Coverage of up to $25,000 is available for certain administrative matters involving ADA, FHA, OSHA, and similar regulations.
What makes Continental Risk a strong partner for A&E insurance?We provide market access, underwriting expertise, and tailored coverage solutions specifically for architecture and engineering firms, with responsive service for both routine and complex placements.
Need help placing an account? Connect with a market specialist.