Imagine What We Could Do For YOUR Accounts
Key Takeaways:
With Kinsale’s Allied Health Division, even your most challenging accounts can find coverage through creative underwriting, flexible policy terms, and competitive premiums.
Read on to see how we use our industry expertise and problem-solving to build solutions for a wide range of Allied Health accounts.
Risk Type: Large, hard-to-place housing schedule for low-income populations, including senior living with social services
Policy: Primary & Excess GL & PL; Employee Benefits Liability; defense outside the limit; custom-manuscripted forms
Premium: $2.25M
A New York City nonprofit needed GL for a large schedule of affordable housing units serving low-income, homeless, and elderly residents. Because the senior living units provided social services and had an emergency pull cord exposure, PL coverage was also required. The group’s broker turned to Kinsale, confident we could build the combined coverage her account needed. Despite the complexity, our underwriter issued a GL/PL quote the next day. Over the next months, she continued to work closely with the broker to refine terms into the exact coverage the account needed to continue its mission.
Risk Type: Assisted living facility
Policy: $1/3M combined PL/GL; prior acts included; $25k deductible; Employee Benefits Liability; residential evacuation expense reimbursement
Premium: $97,582
An assisted living facility was facing two challenges: it had over $1M in prior losses and a specific budget for the premium. Knowing that the budget guidelines could be an issue, the facility’s broker requested a quote from Kinsale. Within 24 hours, our underwriter had crafted a policy that gave the facility the coverage it needed under the requested budget.
Risk Type: Adoption/Foster Agency
Policy: $1M/$3M PL/GL; abuse/A&B sublimit; incident sensitive; Employee Benefits Liability
Premium: $26,809
An adoption and foster care agency learned its carrier was exiting the market. With less than two weeks to secure replacement coverage, the broker turned to Kinsale. Drawing on our Allied Health Division’s longstanding industry experience, our underwriter quickly structured terms, allowing the policy to be bound in time to prevent a coverage gap.
Risk Type |
Unique Characteristic |
Coverage Solutions |
Premium |
|
Alternative Medicine Clinic |
Emerging/alternative industries: Services include psilocybin & ketamine therapy |
$500k/$1M PL/GL limit; psilocybin facilitator services included in PL; $2.5k deductible; incident sensitive trigger, HIPAA |
$5,000 |
|
Youth Transportation |
Limited market appetite: School transportation for special needs youth |
$1M/$3M PL/GL; abuse / A&B sublimit; $2.5k deductible |
$4,000 |
|
Social/Correctional Services |
Hard to place: Re-entry housing & transitional living for ex-offenders |
$1M/$2M GL; abuse / A&B sublimit; $10k deductible |
$124,507 |
|
Wellness Spa |
Emerging industry: Services include float therapy, cryotherapy, cold plunges, & saunas |
$1M/$3M PL/GL limit; $1k deductible; defense outside; incident sensitive trigger; medical payments |
$2,500 |
|
Alternative Youth School |
Hard to place & adverse loss history: School for children with developmental disabilities & behavioral problems with prior claims |
$1M/$3M PL/GL; abuse/A&B sublimit; medical payments; indemnity only deductible |
$22,000 |
|
|
From large accounts needing custom-written forms to accounts struggling with large loss histories, we provide Allied Health insurance solutions with:
Additional coverage enhancements include:
Get your quote started today or contact your dedicated Territory Manager to learn even more about custom solutions for your Allied Health needs.
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