Insurance Program Results
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Crittenden Insight |
Crittenden Insurance Program Directory™ |
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Home Health Agency and Provider Programs(Allied Health) |
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Carrier (Administrator) |
Distinguishing Characteristics/Notes |
Distribution/Access |
Crittenden’s Customer |
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Philadelphia Insurance Co. |
Admitted. Carrier can write full gamut of home care, but prefers to not write risks that specialize in pediatric care for children or infants deemed medically fragile and a high percentage of agencies with live-in home care exposures. |
Independent Agents |
5 Stars |
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Beazley Insurance Co. Inc. |
Admitted: Small home health agencies. Limits available up to $5 million. Non-Admitted: Large risks, typically those with revenue greater than $10 million. Limits available up to $25 million. |
Appointed |
5 Stars |
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Cincinnati Insurance Co. |
Admitted. Organizations of all sizes that provide skilled medical or home companion care. |
Appointed Agents |
2 Stars |
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Admiral Insurance Co. |
Non-admitted. Small to midsize home health agencies. Limits up to $5 million |
Surplus Brokers |
5 Stars |
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Hanover Insurance |
Non-admitted. Companion care, skilled care, visiting nurses associations, hospice care delivered in home. |
Select Surplus Brokers |
4 Stars |
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Markel Corp. |
Non-admitted. Home health care. Primary limits up to $5 million and up to $25 million for umbrella and excess. *With focus on healthcare and/or dedicated healthcare teams |
Retailers and |
4 Stars |
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Ironshore Inc. |
Non-admitted. Home health providers, including those with durable medical equipment, intravenous therapy, personal, rehabilitation, respiratory, outpatient only. Flexible primary limit options. Follow-form excess up to $10 million. |
Brokers (Open) |
5 Stars |
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Lloyd’s of London |
Non-admitted. Home health (all levels of care). Limits up to $5 million primary and follow-form excess. |
Limited Brokers |
5 Stars |
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United Specialty |
Non-admitted. Any entities with home health exposures, including physical therapy clinics offering home or a home skilled nursing care. Limits up to $3 million/$5 million. |
Appointed Agents |
5 Stars |
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Chaucer plc |
Non-admitted. Medical and non-medical agencies providing all levels of home care. Sweet spot is small and midsize firms with revenues of $2 million to $2.5 million. Limits up to $3 million/$6.4 million. |
Wholesale Brokers (Open) |
5 Stars |
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Lloyd’s of London (JAva |
Non-admitted. Small home health agencies with revenues of |
Wholesale Brokers, few Retail Brokers |
5 Stars |
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Kinsale Insurance Co. |
Non-admitted. Home health agencies providing all levels of care in private homes, hospitals, nursing homes, etc. Primary, excess and follow-form excess limits up to $5 million. |
Select Brokers |
5 Stars |
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James River Insurance Co. |
Non-admitted. Home health and in-home support services. Primary limits up to $1 million/$3 million and excess limits up to $5 million. |
Authorized Brokers |
5 Stars |
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Lloyd’s of London |
Non-admitted. Home health including high risk classes such as pediatrics. Limits up to $10 million. †With expertise in healthcare and/or dedicated healthcare team. |
Wholesalers and |
5 Stars |
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Lloyd’s of London (Greenhill Insurance Services) |
Non-admitted. Home health agencies and providers. Primary limits up to $2 million/$4 million. |
MGAs, |
5 Stars |
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Hiscox USA |
Non-admitted. All types of home care considered. Limits up to |
Appointed Wholesale |
5 Stars |
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CNA Insurance Cos. |
Non-admitted: Home health including homemaker/companion, skilled medical care and visiting nurses associations. Core coverages are professional, general and employee benefits liability and excess/umbrella. Limits up to $15 million. Admitted: Home health aides and nurses (through HPSO). |
Independent Agents and Brokers |
5 Stars |
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AIG (Willis Programs) |
Admitted. For-profit and nonprofit home care agencies, visiting nurses associations, hospices, hospital staffing firms, nurse registries, traveling nurse companies, sitter/companion agencies and home infusions. Favored risks are visiting nurses associations, medical staffing providers and unskilled/non-medical homecare providers. Umbrella limits up to $10 million. |
Independent |
3 Stars |
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American Alternative |
Admitted. Home healthcare agencies and non-skilled home healthcare aide agencies. Limits up to $5 million for excess over general liability, professional liability and business auto. |
Independent Agents and Brokers |
4 Stars |
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Source: Crittenden Research Inc.™ |
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Home Health Care
Administered By: Philadelphia Insurance
Distribution: Carrier Direct
| Industries: |
Directors & Officers (D&O), Home Healthcare |
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Carriers: Philadelphia Insurance Co.
Coverage: Commercial Auto, Crime, Directors & Officers (D&O), Fidelity, General Liability, Professional Liability, Property
Limits: $1,000,000 Per Claim - $3,000,000 Aggregate (GL)
Miscellaneous Medical
Administered By: Beazley
Distribution: Direct/Broker
| Industries: |
Blood/Tissue Banks, Clinical Trials, Clinics/Infirmaries (Correctional Health), Dialysis Centers, Emergency Response Services (Ambulance), Home Healthcare, Laboratories, Medical Clinics/Infirmaries, Medispas, Mental Health/Behavioral (Counseling/Counselors), Pharmacies, Rehabilitation Facilities, Research/Research Organizations (Clinical, Etc.), Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Commercial Auto, Employee Benefits Liability, Errors & Omissions (E&O), Excess, General Liability, Products & Complete Operations Liability, Professional Liability, Umbrella/Excess
Limits: up to $25 million (Primary, Excess, Excess Follow Form, 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)
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
Hospitals & Facilities
Administered By: Physicians Reciprocal Insurers
Distribution: Carrier Direct
| Industries: |
Ambulatory Surgery Centers (ASCs), Colleges & Universities, Community Health Centers, Dialysis Centers, Home Healthcare, Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Rehabilitation Facilities, Schools, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Physicians' Reciprocal Insurers
Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: $1,000,000 - $3,000,000 (Primary or Excess)
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)
Medical Umbrella
Administered By: Markel
Distribution: Direct/Broker
| Industries: |
Blood/Tissue Banks, Clinical Trials, Clinics/Infirmaries (Correctional Health), Emergency Response Services (Ambulance), Home Healthcare, Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Nurse/Staffing Registries, Occupational Therapist, Pharmacies, Physical Therapists, Social Services |
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Carriers: Markel Corp.
Coverage: Umbrella/Excess
Limits: up to $25 million
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 Facilities
Administered By: Pioneer Special Risk
Distribution: MGU
| Industries: |
Allied Health, Blood/Tissue Banks, Clinical Trials, Community Health Centers, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Labs, Nurse/Staffing Registries, Pharmacies, Physical Therapists, Schools |
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Carriers: Lloyd's of London
Coverage: Commercial Auto (Hired & Non-Owned), General Liability, Professional Liability
Limits: $100,000/$300,000 - $5 million/$5 million (Primary), $1 million/$1 million - $5 million/$5 million (Follow-Form Excess)
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)
Allied Healthcare
Administered By: Huntersure LLC
Distribution: MGA
| Industries: |
Acupuncturist, Adult Day Care, Allied Health, Audiologists, Chiropractors, Emergency Medical Technicians (EMTs), Emergency Response Services (Ambulance), Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Massage Therapy/Therapists, Medical Labs, Non Emergency Transportation (Medical), Nurse Practitioners, Nurse/Staffing Registries, Nurses, Nurses (CRNA), Nutritionist/Dietitian, Occupational Therapist, Opticians, Pharmacies, Physical Therapists, Physician Assistants, Speech Therapy/Therapists, Veterinarians/Veterinary Risks |
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Carriers: Chaucer plc
Coverage: Abuse & Molestation Liability, General Liability, Professional Liability
Limits: up to $3 million/$6.4 million
Allied Medical
Administered By: JaVA Underwriting
Distribution: MGU
| Industries: |
Allied Health, Ambulatory Surgery Centers (ASCs), Audiologists, Community Health Centers, Counseling (Marriage & Family), Dialysis Centers, Emergency Medical Technicians (EMTs), Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Nurses, Occupational Therapist, Pharmacies, Physical Therapists, Physician Assistants, Psychologists, Speech Therapy/Therapists |
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Carriers: Lloyd's of London
Coverage: General Liability, Hired & Non-Owned Auto, Professional Liability
Limits: $100,000/$300,000 - $5 million
Allied & Miscellaneous Program
Administered By: PRA Mid-Continent Underwriters
Distribution: MGA
| Industries: |
Adult Day Care, Allied Health, Ambulatory Surgery Centers (ASCs), Audiologists, Behavioral/Mental Health Organizations, Counseling (Marriage & Family), Dialysis Centers, Emergency Medical Technicians (EMTs), Fitness Professionals, Freestanding Medical Facilities, Home Healthcare, Home Medical Equipment, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Massage Therapy/Therapists, Medical Clinics/Infirmaries, Medical Directors, Medical Labs, Mental Health/Behavioral (Counseling/Counselors), Non Emergency Transportation (Medical), Nurse Practitioners, Nurse/Staffing Registries, Nurses, Occupational Therapist, Opticians, Physical Therapists, Physician Assistants, Psychologists, Social Workers, Speech Therapy/Therapists, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: ProAssurance Group
Coverage: Abuse & Molestation Liability, Employee Benefits Liability, General Liability, Hired & Non-Owned Auto, Professional Liability
Limits: up to $5 million/$7 million (Primary Limits)
Home Health
Administered By: Admiral Insurance Group
Distribution: Direct/Broker
| Industries: |
Home Healthcare |
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Carriers: Admiral Insurance Co.
Coverage: Abuse & Molestation Liability, Cyber Liability, General Liability, Hired & Non-Owned Auto, Professional Liability
Limits: up to $5 million
Allied Health Rapid Response
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Adult Day Care, Allied Health, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Pharmacies, Rehabilitation Facilities, Wellness/Preventative Care |
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Carriers: Kinsale Insurance Co.
Coverage: General Liability, Professional Liability
Limits:
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)