Insurance Program Results
Hospice: Demand Rising
Crittenden Insight |
Crittenden Insurance Program DirectoryTM |
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Crittenden Rankings: Allied Health-Hospice Writers |
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Carrier (Administrator) |
Appetite/Extent of Coverage |
Distribution |
Crittenden’s Customer Service Rating |
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Kinsale |
Hospice, home health care providing all acuity levels (in homes, hospitals, nursing homes, etc.) and staffing agencies. PL and GL are written on separate forms and can be set up as separate or combined towers. Also writes excess. Limits up to $5 million primary, excess of follow-form excess. |
Select Surplus Lines Brokers |
5 Stars |
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The Hanover |
Home hospice (including those with physician exposure), home health care. Writes PL and GL. |
Independent Agents |
4 Stars |
|
ACE |
Hospice facilities, home healthcare agencies. PL/GL with non-owned auto available. Package policy also available. Minimum premium varies by coverage. Limits up to $1 million/$3 million primary and up to $25 million excess. |
Brokers & Agents |
4 Stars |
|
Markel |
Hospices, home health care. Writes PL, GL, follow-form excess and umbrella coverages. Limits up to |
Specialized Producers |
4 Stars |
|
Ironshore Inc. |
Hospice (outpatient only), all ranges of home care (including durable medical equipment, IV therapy, personal, rehab, respiratory, skilled and all other). Separate limits for PL, GL, EBL and HNOA. Limits up to $10 million for excess. |
Brokers (Open) |
5 Stars |
|
CNA |
Hospice, home health. PL/GL and EBL available in package. Other coverages include auto, cyber and property. Writes on a broad form with flexible limits. |
Independent Agents and Brokers |
5 Stars |
|
James River |
Hospice, in-home support services and home health care. Writes PL/GL and excess. Minimum premium is $2,500. Limits up to $1 million/$3 million primary and up to |
Select Brokers |
5 Stars |
|
Navigators |
Hospices, home healthcare. Writes PL, GL and excess. Limits up to $5 million primary/excess. |
Brokers (Open) |
4 Stars |
|
AIG (Care Providers Insurance Services/NSM Insurance Group) |
Hospice organizations with a majority of operation in palliative care. All sizes considered from start-ups to large organizations. Minimum premium of $2,500. Package includes PL/GL, property, auto, physical/sexual abuse and other coverages. Limits up to $25 million (primary/excess). |
Independent Agents |
5 Stars |
|
AIG (Willis Programs) |
Hospice providers, home health agencies (nonprofit & for profit). PL/GL, EBL, auto, fidelity, excess/umbrella (with PL/GL). Other coverages available. Limits up to $5 million for PL/GL and up to $10 million umbrella. |
Independent Insurance Agents |
3 Stars |
|
Chaucer (Huntersure) |
Hospice, medical/nonmedical home health agencies providing all levels of care. PL/GL with $25,000/$50,000 sexual abuse included. Limits up to $1 million/$3 million available for additional premium. Minimum premium is $1,500 for claims-made PL/GL or $1,650 w/occurrence GL. Limits up to $3 million/$6.4 million. |
Wholesale Brokers (Open) |
5 Stars |
|
Hiscox USA |
Hospice (including in-home). All types of home care considered. PL/GL, cyber, sexual abuse and molestation coverages. Limits up to $10 million primary/excess. |
Wholesale Brokers |
4 Stars |
|
Philadelphia Insurance Cos. |
Hospice (including face-to-face patient assessments), home health. Writes PL, GL, property, crime, fidelity, auto and excess. D&O also available. Limits up to $15 million for umbrella. |
Independent Agents |
5 Stars |
|
Allied World |
Hospice (outpatient), hospice (inpatient), home healthcare. PL/GL and EPL up to $100,000/$300,000, sexual misconduct up to $1 million/$3 million. Primary limits to |
Brokers and Agents |
4 Stars |
|
American Alternative (Glatfelter Healthcare Practice) |
Hospice, home health care. PL/GL, D&O, auto, and property coverage, with optional coverages available. Limits up to $5 million. |
Independent Agents and Brokers |
4 Stars |
|
Arch Insurance |
Hospice, home care (including durable medical equipment, personal care, skilled care, and other care). Writes PL/GL and excess for large organizations. Limits up to $11 million. |
Select Retail and Wholesalers |
4 Stars |
|
Lexington/AIG |
Hospice, home health care. Coverages include PL, GL, abuse/molestation, EBL, umbrella and excess. Minimum premium is $2,500. Limits up to $25 million primary/excess. |
Surplus Lines Brokers |
3 Stars |
|
OneBeacon Insurance Group |
Hospice (home care and inpatient), home healthcare (skilled medical and personal care services). Writes PL/GL, EBL, sexual abuse and excess/umbrella. Minimum premium of $10,000 with limits up to |
Specialized Wholesalers |
3 Stars |
|
Torus |
Hospice (outpatient only). PL/GL, EBL, EPLI, excess/umbrella. Limits up to $10 million. |
Direct or via U.S. Intermediaries |
5 Stars |
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United States Specialty (VGM Specialty Underwriters) |
Hospices, home health. Writes PL, GL, sexual abuse, EBL and HNOA. Minimum premium is $2,500. Limits up to |
Appointed Agents |
5 Stars |
|
XL Catlin |
Hospice only if part if home health and doesn’t make up a majority of the business. Writes PL/GL with a minimum premium of $2,500. Limits up to $5 million/$10 million. |
Wholesale Brokers |
5 Stars |
|
Source: Crittenden Research Inc.(TM) |
Beazley Breach Response Select
Administered By: Beazley
Distribution: Direct/Broker
Industries: |
Accountable Care Organizations (ACOs), Acupuncturist, Allied Health, Art Galleries/Fine Art/Museums/Antique Dealers, Assisted Living Facilities, Chiropractors, Civic Clubs (Nonprofit), Colleges & Universities, Continuing Care Retirement Communities (CCRCs), Day Spas, Dentists, Education & Nonprofit, Emergency Response Services (Ambulance), Gastroenterologist, Health Maintenance Organization (HMO), Healthcare Systems, Hospice, Hospitality (Hotels/Motels), Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Independent Living Facilities, Laboratories, Lawyers, Long-Term Care Facilities (LTC), Managed Care Organizations, Massage Therapy/Therapists, Mental Health/Behavioral (Counseling/Counselors), Midwives, Non Emergency Transportation (Medical), Nurse/Staffing Registries, Nursing Homes/Skilled Nursing Facilities, Opticians, Pharmacies, Pharmacists, Physicians, Podiatrists, Private/Charter Schools, Psychiatric Facilities/Hospitals, Psychologists, Rehabilitation Facilities, Research/Research Organizations (Clinical, Etc.), Retail, Schools, Schools (Adult Education), Substance Abuse Rehabilitation Facilities & Services, Surgeons, Therapy/Therapists, Weight Loss Clinics |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Cyber Liability, Excess, Umbrella/Excess
Limits: up to $5 million
Hospice
Administered By: Philadelphia Insurance
Distribution: Carrier Direct
Industries: |
Hospice |
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Carriers: Philadelphia Insurance Co.
Coverage: Commercial Auto, Crime, Directors & Officers (D&O), Excess, Fidelity, General Liability, Professional Liability, Property, Umbrella/Excess
Limits: up to $1 million/$3 million (GL), up to $1 million/$3 million (PL), up to $15 million (Umbrella)
Miscellaneous Medical (Small Business/Private Enterprise)
Administered By: Beazley
Distribution: Direct/Broker
Industries: |
Acupuncturist, Adult Day Care, Allied Health, Audiologists, Behavioral/Mental Health Organizations, Dialysis Centers, Emergency Response Services (Ambulance), Fitness Professionals, Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Massage Therapy/Therapists, Medical Clinics/Infirmaries, Medical Labs, Mental Health/Behavioral (Counseling/Counselors), Nurses, Nurses (Visiting), Nutritionist/Dietitian, Occupational Therapist, Optometrists, Pharmacies, Psychologists, Social Services, Speech Therapy/Therapists, Substance Abuse Rehabilitation Facilities & Services, Therapy/Therapists |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Cyber Liability, Employee Benefits Liability, General Liability, Privacy Liability/Notification Expense, Products Liability, Professional Liability
Limits: up to $11 million (Aggregate Limit), up to $1 million (Employee Benefits Liability), up to $1 million/$3 million (Professional/General Liability), up to $1 million (Privacy Liability), up to $1 million/$3 million (Products Liability)
Allied Health
Administered By: PPIB
Distribution: MGU
Industries: |
Adoption/Foster Services & Facilities, Allied Health, Ambulatory Surgery Centers (ASCs), Audiologists, Cancer Treatment Centers, Dialysis Centers, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Mental Health/Behavioral (Counseling/Counselors), Nutritionist/Dietitian, Occupational Therapist, Physicians (Nonstandard), Social Services, Speech Therapy/Therapists |
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Carriers: Lloyd's of London
Coverage: General Liability, Professional Liability
Limits:
Allied Health Centers
Administered By: Hanover Insurance Group
Distribution: Carrier Direct
Industries: |
Allied Health, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Occupational Therapist, Pharmacies, Sleep Clinics, Therapy/Therapists |
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Carriers: Hanover Insurance Group Inc.
Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: - - - (Multiple limit options available )
Home Health Care
Administered By: Hanover Insurance Group
Distribution: Carrier Direct
Industries: |
Home Healthcare, Hospice |
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Carriers: Hanover Insurance Group Inc.
Coverage: General Liability, Professional Liability
Limits:
Healthcare
Administered By: CapSpecialty
Distribution: MGU
Industries: |
Ambulatory Surgery Centers (ASCs), Blood/Tissue Banks, Clinical Trials, Federal Tort Claims Act Clinics, Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Medispas, Nurse/Staffing Registries, Pharmacies, Research/Research Organizations (Clinical, Etc.), Urgent Care |
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Carriers: Capitol Specialty Insurance Corp.
Coverage: Professional Liability, Regulatory Liability
Limits: up to $11 million
Long-Term Care
Administered By: Markel
Distribution: Direct/Broker
Industries: |
Adult Day Care, Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Home Healthcare, Hospice, Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities |
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Carriers: Markel Corp.
Coverage: Commercial Auto, Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: up to $10 million (Umbrella & Excess), up to $1 million (Primary)
Medical Professional Liability
Administered By: Markel
Distribution: Direct/Broker
Industries: |
Allied Health, Alternative Medicine, Ambulatory Surgery Centers (ASCs), Behavioral/Mental Health Organizations, Blood/Tissue Banks, Community Health Centers, Cosmetic Surgeons/Aesthetic Professionals, Home Healthcare, Hospice, Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medispas, Nurse/Staffing Registries, Occupational Therapist, Pharmacies, Physical Therapists, Physicians (Locum Tenens), Senior Living Facilities, Sleep Clinics, Urgent Care, Weight Loss Clinics |
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Carriers: Markel Corp.
Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: up to $25 million (Umbrella/Excess), up to $5 million (Primary)
Miscellaneous Medical Facilities
Administered By: Ironshore
Distribution: Direct/Broker
Industries: |
Adoption/Foster Services & Facilities, Adult Day Care, Allied Health, Ambulatory Surgery Centers (ASCs), Bariatric Surgery, Behavioral/Mental Health Organizations, Blood/Tissue Banks, Cancer Treatment Centers, Community Health Centers, Cosmetic Surgeons/Aesthetic Professionals, Dialysis Centers, Emergency Response Services (Ambulance), Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Nurse/Staffing Registries, Pharmacies, Physical Therapists, Rehabilitation Facilities, Substance Abuse Rehabilitation Facilities & Services, Urgent Care, Weight Loss Clinics |
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Carriers: Ironshore Inc.
Coverage: Employee Benefits Liability, Excess, General Liability, Hired & Non-Owned Auto, Professional Liability
Limits: up to $1 million/$3 million (Primary), up to $10 million (Follow-Form Excess)
Senior Living & Home Care
Administered By: GuideOne Insurance Cos.
Distribution: Direct/Broker
Industries: |
Assisted Living Facilities, Continuing Care Retirement Communities (CCRCs), Home Healthcare, Hospice, Independent Living Facilities, Long-Term Care Facilities (LTC), Nursing Homes/Skilled Nursing Facilities, Senior Living Facilities |
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Carriers: GuideOne Insurance Cos.
Coverage: Commercial Auto, Commercial Property, General Liability, Professional Liability, Workers' Compensation
Limits:
Allied Health Program
Administered By: VGM Specialty Underwriters
Distribution: MGU
Industries: |
Acupuncturist, Allied Health, Dialysis Centers, Home Healthcare, Home Medical Equipment, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Massage Therapy/Therapists, Medical Labs, Pharmacies, Physical Therapists, Social Services, Substance Abuse Rehabilitation Facilities & Services, Therapy/Therapists, Weight Loss Clinics |
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Carriers: United Specialty Insurance Co.
Coverage: Abuse & Molestation Liability, Employee Benefits Liability, General Liability, Hired & Non-Owned Auto, Professional Liability, Regulatory Liability, Stop Gap Liability
Limits: up to $5 million/$7 million, up to $1 million/$1 million (Sublimits for Abuse or Hired/Nonowned Auto)
Social Services
Administered By: Huntersure LLC
Distribution: MGA
Industries: |
Behavioral/Mental Health Organizations, Day Care (Child or Adult), Hospice, Meals on Wheels, Mental Health/Behavioral (Counseling/Counselors), Psychologists, Respite Care, Social Services, Social Workers, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Chaucer plc
Coverage: Abuse & Molestation Liability, General Liability, Professional Liability
Limits: up to $3 million/$6.4 million
Allied Healthcare
Administered By: James River Insurance Co.
Distribution: MGA
Industries: |
Adoption/Foster Services & Facilities, Adult Day Care, Allied Health, Ambulatory Surgery Centers (ASCs), Assisted Living Facilities, Behavioral/Mental Health Organizations, Emergency Response Services (Ambulance), Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Independent Living Facilities, Laboratories, Long-Term Care Facilities (LTC), Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Nurse/Staffing Registries, Pharmacies, Psychiatric Facilities/Hospitals, Rehabilitation Facilities, Senior Living Facilities, Substance Abuse Rehabilitation Facilities & Services, Weight Loss Clinics |
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Carriers: James River Insurance Co.
Coverage: Excess, General Liability, Professional Liability
Limits: up to $5,000,000 (Excess over multiple underlying coverages - supported & unsupported), up to $1,000,000/$3,000,000 (Primary)
Allied Healthcare
Administered By: Navigators Management Co. Inc.
Distribution: Carrier Direct
Industries: |
Adult Day Care, Ambulatory Surgery Centers (ASCs), Blood/Tissue Banks, Chiropractors, Cosmetic Surgeons/Aesthetic Professionals, Counseling (Marriage & Family), Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Medispas, Pharmacies, Physical Therapists, Psychiatric Facilities/Hospitals, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: The Navigators Group Inc.
Coverage: General Liability, Professional Liability
Limits: up to $5 million (Primary or Excess)
Allied Professional Liability Insurance
Administered By: XL Catlin (Formerly Catlin)
Distribution: Direct/Broker
Industries: |
Adult Day Care, Allied Health, Ambulatory Surgery Centers (ASCs), Blood/Tissue Banks, Colleges & Universities, Dialysis Centers, Emergency Response Services (Ambulance), Gyms/Fitness Facilities, Home Healthcare, Home Medical Equipment, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medispas, Nurse/Staffing Registries, Opticians, Pharmacies, Physical Therapists, Psychiatric Facilities/Hospitals, Schools, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Catlin Specialty Insurance Co.
Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: $5,000,000 Per Claim - $10,000,000 aggregate
Automobile Liability & Physical Damage (Hospitals & Facilities)
Administered By: BETA Healthcare Group
Distribution: Direct/Broker
Industries: |
Clinics/Infirmaries (Correctional Health), Hospice, Hospitals |
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Carriers: BETA Risk Management Authority
Coverage: Commercial Auto, Commercial Auto (Hired & Non-Owned), Excess, Umbrella/Excess
Limits: up to $1,000,000 (Uninsured/Underinsured Motorist Coverage), $1,000,000 - $40,000,000 (Combined Single Limit of Liability for Bodily Injury & Property Damage), up to $5,000 per accident (Medical Payments), $1,000,000 per occurrence - $40,000,000 (Hired/Non-Owned Auto)
Directors & Officers
Administered By: Kinsale Insurance
Distribution: Carrier Direct
Industries: |
Adoption/Foster Services & Facilities, Assisted Living Facilities, Auto/Car Dealerships, Behavioral/Mental Health Organizations, Blood/Tissue Banks, Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Colleges & Universities, Community Associations, Crisis Call Centers, Day Care (Child or Adult), Education & Nonprofit, Groups & Clubs, Hospice, Libraries, Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Nonprofit Organizations, Private/Charter Schools, Restaurants, Social Services, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Kinsale Insurance Co.
Coverage: Directors & Officers (D&O)
Limits: up to $5 million/$5 million (Primary)
Directors & Officers Liability
Administered By: BETA Healthcare Group
Distribution: Direct/Broker
Industries: |
Clinics/Infirmaries (Correctional Health), Directors & Officers (D&O), Hospice, Hospitals, Long-Term Care Facilities (LTC) |
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Carriers: BETA Risk Management Authority
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, Umbrella/Excess
Limits: $1,000,000 - $10,000,000 Per Occurrence
Healthcare Entity Comprehensive Liability
Administered By: BETA Healthcare Group
Distribution: Direct/Broker
Industries: |
Clinics/Infirmaries (Correctional Health), Home Healthcare, Hospice, Hospitals, Long-Term Care Facilities (LTC), Medical Clinics/Infirmaries |
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Carriers: BETA Risk Management Authority, Health Providers Insurance Reciprocal, RRG
Coverage: Employee Benefits Liability, Environmental/Pollution Liability, Excess, Professional Liability, Umbrella/Excess
Limits: up to $500,000/$1 million (Pollution Liability Sublimit), up to $1 million/$40 million (PL & GL), up to $500,000/$500,000 (Fire & Water Damage Legal Liability Sublimit)