HOME INSURANCE

The Home Health Care program includes a package of professional and general liability coverages based on the unique specifications of the client.  We have the partnerships and deep understanding of the market exposures and we provide a broad range of coverage.

 

Target Classes 

    Home Health Care Agencies / Providers

    Visiting Nurse Associations (VNA's)

    Home Infusion Providers

    Hospice Providers

    Companion Care Providers

    Home Medical Equipment Suppliers (with and without retail operations)

    Unskilled / ADL Providers

    DME / HME providers to homes and other facilities (Non-Invasive Equipment)

    Infusion Suites

    Drug Distributors

    Equipment Distributors

 

Ineligible Operations

    Nursing Homes

    Correctional Health Care

    Staffing & Locums

    Mail Order Pharmacies

    Automobile Installation / Alteration Companies

    Repair of other's used DME for resale

    Manufacturers

    Wholesale Compounding Risks

 

Availability*

    Admitted in all states except: AK, AZ, CO, CT, DC, FL, ID, KS, LA, MA, MI, NY, VA, & VT.

    State filings are currently pending in the remaining states.

Download a map of admitted states here.

 

 

*DME/ HME providers and distributors are only written on a non-admitted basis.

 

Coverages**

    Professional Liability

    General Liability (Occurrence and Claims Made options in most states)

    Employee Benefits Liability (when PL & GL is written)

    Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured

    Bodily Injury definition includes mental anguish and mental injury on the CGL

    Non-Owned & Hired Auto (Owned/ Commercial Auto not eligible)

    Crime or Fidelity Bond (admitted)

    Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form

    Defense costs are generally outside the policy limits on package policy

    Property (admitted)

    Excess / Umbrella (when PL & GL is written)

    Worldwide Coverage (claim must be filed in U.S.)

    Workers' Compensation - available through the AmeriComp healthcare program