Allied Health

Kinsale’s Allied Health Division offers insurance products for your Long-Term Care, Miscellaneous Healthcare, and Social Service risks. We tailor our coverage to your hard-to-place risks by offering flexible policy terms and competitive premium rates. General Liability and Professional Liability coverages can be written on a combined or on a stand-alone basis.

Target Classes:

  • All things medical or miscellaneous facility-related
  • Foster/adoption agencies
  • Emergency/non-emergency transport
  • Group homes
  • Home health
  • Long term care facilities
  • Skilled and intermediate care
  • Assisted and intermediate care
  • Outpatient medical facilities (labs, clinics, surgical, rehab, etc.)
  • Social service agencies
  • Staffing agencies

Submission Requirements:

  • Application (signed and dated) and appropriate supplemental application(s)
  • Five-year currently-valued loss runs
  • Copy of license
  • Copy of current declaration page

Policy Structure:

  • Professional Liability and General Liability coverage
  • Claims-Made and 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 and expense
  • Broadened coverage available for select risks; may include incident trigger, defense outside the limit, silent on punitive damages, indemnity-only deductible
  • 1, 2, and 3 year tail options available
  • Professional Liability and 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