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
