Allied Health

Liability Insurance for Long-Term Care Facilities

Target Classes:

• Assisted living facilities
• Skilled nursing facilities
• Congregate care facilities
• Independent living facilities
• Senior apartments

Policy Structure:

• Professional Liability & General Liability coverage
• Claims-Made & Reported coverage form
  (Note: General Liability Occurrence coverage form may be used for certain risks.)
• Policy limits up to $5M on a primary basis; up to $10M available through Kinsale’s Excess Professional Division
• Policies issued with a per claim deductible that applies to both indemnity & expense
• Broadened coverage available for select risks; may include incident trigger, defense outside the limit, silent on punitive damages, indemnity-only deductible
• 1, 2, & 3 year tail options available
• Professional Liability & General Liability coverage can be written on a stand-alone basis with separate limits or a combined basis with a shared aggregate limit
• Additional coverage enhancements available: Employee Benefits Liability, stop gap, non-owned auto, HIPAA expense reimbursement, residential evacuation expense reimbursement
• TRIA coverage included on the General Liability at no additional charge

Liability Insurance for Social Services

Target Classes:

• Miscellaneous human service organizations
• Adoption & foster agencies
• Homeless shelters
• Substance abuse & sober living
• Residential facilities for the physically & mentally disabled
• Youth residential facilities
• Group homes
• Special needs day care

Policy Structure:

• Professional Liability & General Liability coverage
• Claims-Made & Reported coverage form
  (Note: General Liability Occurrence coverage form may be used for certain risks.)
• Policy limits up to $5M on a primary basis; up to $10M available through Kinsale’s Excess Professional Division
• Policies issued with a per claim deductible that applies to both indemnity & expense
• Broadened coverage available for select risks; may include incident trigger, defense outside the limit, silent on punitive damages, indemnity-only deductible
• 1, 2, & 3 year tail options available
• Professional Liability & General Liability coverage can be written on a stand-alone basis with separate limits or a combined basis with a shared aggregate limit
• Additional coverage enhancements available: Employee Benefits Liability, stop gap, non-owned auto, HIPAA expense reimbursement, residential evacuation expense reimbursement
• TRIA coverage included on the General Liability at no additional charge

Liability Insurance for Hospitals

Target Classes:

• Acute care hospitals
• Rural & community based hospitals
• Psychiatric hospitals
• Specialty hospitals
• Free standing emergency centers

Policy Structure:

• Primary Professional & General Liability
• Excess limits up to $10M through Kinsale’s Excess Professional Division
• All coverages available standalone or combined
• Professional Liability: Claims-Made
• General Liability: Claims-Made & Reported or Occurrence

• What types of risks are eligible for Kinsale’s Allied Health coverage?

  Kinsale’s Allied Health team offers tailored insurance solutions for miscellaneous health care, long-term care, and social service organizations. Our flexible underwriting approach allows us to consider most medical-adjacent risks, providing brokers with options for complex or hard-to-place accounts.

• Can Kinsale offer both Professional and General Liability for Allied Health risks?

  Yes, Kinsale offers both Professional and General Liability, either on a standalone basis with separate limits or on a combined basis with a shared aggregate limit. We can consider policy limits up to $5M on a primary basis and up to $10M in excess through our Excess Professional Division.

  We also offer optional coverage enhancements that allow you to customize coverages. Options include Employee Benefits Liability, stop gap, non-owned auto, HIPAA expense reimbursement, and residential evacuation expense reimbursement. TRIA coverage can be included on General Liability policies at no additional charge.

• Does Kinsale consider Professional and General Liability for alternative medicine risks?

  Yes! Kinsale has a wide appetite for alternative medicine risks including psilocybin and ketamine therapy risks. We also have a broad cannabis appetite that includes outpatient medical facilities (labs, clinics, surgical, rehab, etc.), including medical marijuana evaluators and pharmacies, including medical marijuana dispensaries.

• Why choose coverage from Kinsale's Allied Health team?

  Simply put, we’re fast, flexible, and creative enough to take on complex risk that others won’t. In recent years, many carriers have tightened their Allied Health appetite for reasons ranging from difficult legal venues to emerging technologies and alternative medicines they’re not comfortable considering. As a result, many brokers are experiencing more class restrictions, added exclusions, trimmed limits, and noticeably slower turnaround, especially for complex exposures.

  Whether a risk is straightforward or challenging, our broad, consistent appetite and creative underwriting mean we find ways to underwrite the business, not reasons to decline it.

• Does Kinsale offer coverage for telemedicine or virtual care services?

  We recognize that telehealth is a growing part of the healthcare landscape. Kinsale can consider coverage for providers offering remote or hybrid patient care, depending on licensing and service scope.

• What classes of business does Kinsale typically underwrite in Allied Health?

  If it is Allied Health-related, chances are we can consider it! We cover a broad range of Allied Health classes, including hospitals, outpatient clinics, home health care, residential care facilities, adoption and foster care, medical staffing, and more.

  View more target classes. 

• What’s the difference between Allied Health Professional Liability and Medical Malpractice coverage?

  Both cover professional negligence, but Allied Health Professional Liability offers the same protection in a more tailored form. Kinsale’s Allied Health Professional Liability is crafted for the unique needs of non-physician healthcare professionals such as therapists, home health providers, and clinics.

  We can consider coverage options for physicians & other related health care practices in our Health Care Division.

• My initial quote isn't quite where it needs to be. How can I request a revised quote?

  At Kinsale, the first quote is just the start. Our goal is to make sure your accounts get the coverages they need—and because our underwriters are experienced, creative thinkers, we tend to get it right quickly. But if you ever need to negotiate terms and price, let us know. We’ll work with you.

• I’d like to get a direct appointment with Kinsale. How do I do that?

  If you are a wholesale broker with a surplus license interested in an appointment, the process is simple! The first step is to complete our online Producer Questionnaire.  Once you’ve completed the form and attached the necessary documents, you will be able to provide an e-signature, click “Continue,” and the form will be sent to us automatically.

  Be sure to have the following available to either upload online or email as an attachment: your entity/individual producer license(s) for all states, a copy of your latest financial statement, a Fidelity Declarations plan, and a E&O Declarations page.

  If you are a retail agent, hold a surplus license, and specialize in Allied Health insurance, our business development manager can review an appointment with you. You can use the link above to complete the questionnaire and someone from our business development team will be in touch!

• There is a lot of information on the website! Is there a point of contact I can reach to further discuss my Allied Health accounts?

  Yes! Our Allied Health team offers dedicated territories based on your office location. If you know your territory, you can contact your Territory Manager below. If you aren’t sure which territory is right for you, please visit our online Territory Guide.

  Charlie Pindell
  Territory Manager, Allied Health North
  (804) 289-1373
  charlie.pindell@kinsaleins.com

  Will Groth
  Territory Manager, Allied Health Central
  (804) 923-1915
  will.groth@kinsaleins.com

  Matt Waller
  Territory Manager, Allied Health South
  (804) 289-1352
  matt.waller@kinsaleins.com

  Tyler Hamblen
  Territory Manager, Allied Health West
  (804) 923-1920
  tyler.hamblen@kinsaleins.com

  Or, if would like to request a quote and are already appointed with Kinsale, you can email your submission to ah@kinsaleins.com and one of our underwriters will be in touch.