Insurance Program Results

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Crittenden Insight

Crittenden Insurance Program Directory™

Medispa Program Rankings
(Allied Health)

Carrier (Administrator)

Top Classes/Classes with Growth Potential

Distribution/Access

Crittenden’s Customer
Service Rating*

Beazley Insurance Co.

Professional, general and employee benefits liability and umbrella/
excess. Limits up to $25 million for primary, excess, follow-form and umbrella coverage.

Appointed Wholesale Brokers

5 Stars

Lloyd’s of London (PPIB)

Among one of the largest writers of medispas. Professional and general liability, sexual abuse, cyber, property. Limits up to $2 million/$3 million.

Brokers

5 Stars

Chaucer Plc (Huntersure)

Sexual abuse up to $1 million/$3 million, hired nonowned auto up to $1 million/$3 million, professional and general liability up to $3 million/$6.4 million.

Agents, Brokers, Wholesalers, MGAs

4 Stars

Admiral

New form will offer professional and general liability, hired and nonowned auto options, sexual abuse limits up to $1 million/$3 million, cyber liability, HIPAA liability, media liability, license defense coverage, regulatory wrongful acts including RAC audits and reputational damage coverages. Limits up to $5 million.

Wholesale Brokers

5 Stars

Lloyd’s of London (NAS Insurance)

Professional and general liability with endorsements for e-MD and MEDEFENSE PLUS. Separate primary limits up to $1 million/$3 million for professional and general liability and up to $5 million excess.

Focus on Wholesalers, will work with Retailers (Open)

4 Stars

Kinsale

Professional and general liability on separate forms and can offer standalone professional liability. Limits up to $5 million on primary or excess basis. Limits up to $5 million for follow-form on both supported and unsupported basis that can include auto and employer’s liability.

Select Surplus

5 Stars

Hiscox USA

Professional and general liability, abuse, HIPAA liability, privacy, crime and physicians as insures for direct/indirect care. Will add property and umbrella in coming months. Limits up to $10 million, but carrier typically writes $1 million/$3 million for this class.

Wholesale Brokers

5 Stars

General Star

Carrier won’t cover medispas without a physical medical director or non FDA-approved treatments. Professional liability and general liability. Standalone first layer of excess available when written over carrier with “A-” or higher rating from A.M. Best.

Wholesale Brokers

3 Stars

Lexington
Insurance Co
.

Professional and general liability, abuse, employee benefits liability, hired nonowned auto and umbrella/excess. Limits up to $25 million primary or excess.

Surplus Brokers

3 Stars

Hallmark Financial Services

Professional, general and employee benefits liability; evacuation expense reimbursement, legal/public relations expense reimbursement; HIPAA violation, cyber liability and follow-form excess with umbrella. Limits up to $10 million.

Appointed Surplus Wholesale Brokers (specializing in
medical professional liability)

3 Stars

MedPro Group

Professional and general liability, cyber and regulatory liability. Primary limits up to $1 million/$3 million and follow-form excess up to $5 million.

Direct and
Brokers

3 Stars

Source: Crittenden Research Inc.

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

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)

Cosmetic & Therapeutic Laser/IPL Services

Administered By: PPIB

Distribution: MGU

Industries:

Cosmetic Surgeons/Aesthetic Professionals, Medispas, Nurses, Physicians

Carriers: Lloyd's of London

Coverage: Professional Liability

Limits:

Permanent Cosmetics

Administered By: PPIB

Distribution: MGU

Industries:

Body Piercing/Tattoo Parlors, Cosmetic Surgeons/Aesthetic Professionals, Day Spas, Medical Directors, Medispas

Carriers: Lloyd's of London

Coverage: General Liability, Professional Liability, Workers' Compensation

Limits:

Weight Loss, Wellness & Anti Aging

Administered By: PPIB

Distribution: MGU

Industries:

Day Spas, Medispas, Nutritionist/Dietitian, Weight Loss Clinics, Wellness/Preventative Care

Carriers: Lloyd's of London

Coverage: General Liability, Professional Liability, Property

Limits: Call for - 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

Carriers: Capitol Specialty Insurance Corp.

Coverage: Professional Liability, Regulatory Liability

Limits: up to $11 million

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

Carriers: Markel Corp.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $25 million (Umbrella/Excess), up to $5 million (Primary)

Medical Spas

Administered By: Huntersure LLC

Distribution: MGA

Industries:

Medispas

Carriers: Chaucer plc

Coverage: General Liability, Professional Liability

Limits: up to $3 million/$6.4 million

Miscellaneous Medical Professional

Administered By: Admiral Insurance Group

Distribution: Direct/Broker

Industries:

Allied Health, Cancer Treatment Centers, Emergency Response Services (Ambulance), Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medispas, Mental Health/Behavioral (Counseling/Counselors), Nurse Practitioners, Nurse/Staffing Registries, Occupational Therapist, Physician Assistants, Psychologists, Radiology/Radiologists, Research/Research Organizations (Clinical, Etc.), Therapy/Therapists, Urgent Care

Carriers: Admiral Insurance Co.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $5,000,000 (Primary and Excess)

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

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

Carriers: Catlin Specialty Insurance Co.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: $5,000,000 Per Claim - $10,000,000 aggregate

Healthcare Facilities

Administered By: Arch Insurance Group

Distribution: Direct/Broker

Industries:

Allied Health, Ambulatory Surgery Centers (ASCs), Cancer Treatment Centers, Clinics/Infirmaries (Correctional Health), Colleges & Universities, Community Health Centers, Day Spas, Dialysis Centers, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medispas, Nurse/Staffing Registries, Pharmacies, Rehabilitation Facilities, Schools, Urgent Care

Carriers: Arch Insurance Co.

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: up to $11,000,000

HealthcarePros (Miscellaneous Healthcare)

Administered By: U.S. Risk

Distribution: MGA

Industries:

Allied Health, Ambulatory Surgery Centers (ASCs), Assisted Living Facilities, Chiropractors, Dental Hygienists, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medical Labs, Medispas, Mental Health/Behavioral (Counseling/Counselors), Non Emergency Transportation (Medical), Nurse/Staffing Registries, Nurses (CRNA), Opticians, Paramedics , Pharmacies, Substance Abuse Rehabilitation Facilities & Services

Carriers: Lloyd's of London

Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess

Limits: $100,000/$300,000 - $2 million/$4 million

Miscellaneous Healthcare Facilities

Administered By: Colony Specialty

Distribution: Carrier Direct

Industries:

Ambulatory Surgery Centers (ASCs), Cannabis/Medicinal Marijuana Dispensaries, Dialysis Centers, Emergency Response Services (Ambulance), Home Healthcare, Home Medical Equipment, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Directors, Medical Labs, Medispas, Non Emergency Transportation (Medical), Nurse/Staffing Registries, Physical Therapists

Carriers: Argo Group US Inc., Colony Specialty Insurance Co.

Coverage: Abuse & Molestation Liability, General Liability, Hired & Non-Owned Auto, Professional Liability

Limits: up to $10 million (Excess), $100,000/$300,000 - $1 million/$3 million (Separate or Combined CGL/PL )

Miscellaneous Medical Facilities

Administered By: Allied World

Distribution: Direct/Broker

Industries:

Adoption/Foster Services & Facilities, Blood/Tissue Banks, Community Health Centers, Developmentally Disabled Services/Facilities, Dialysis Centers, Emergency Response Services (Ambulance), Federal Tort Claims Act Clinics, Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medispas, Mental Health/Behavioral (Counseling/Counselors), Non Emergency Transportation (Medical), Nurse/Staffing Registries, Pharmacies, Rehabilitation Facilities, Substance Abuse Rehabilitation Facilities & Services

Carriers: Allied World Assurance Co.

Coverage: Excess, Professional Liability, Umbrella/Excess

Limits: $100,000 - $300,000 (EPLI Primary Only), $1,000,000 - $1,00,000 (Sexual Misconduct Sublimits), up to $25,000,000 (Excess/Umbrella), $1,000,000 - $3,000,000 (Standard Primary)

Miscellaneous Medical Malpractice

Administered By: NAS Insurance Services

Distribution: MGA

Industries:

Allied Health, Ambulatory Surgery Centers (ASCs), Behavioral/Mental Health Organizations, Dentists, Dialysis Centers, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Medispas, Nurse/Staffing Registries, Nurses (CRNA), Opticians, Pharmacies, Pharmacists, Physical Therapists, Psychiatric Facilities/Hospitals, Research/Research Organizations (Clinical, Etc.), Substance Abuse Rehabilitation Facilities & Services

Carriers: Lloyd's of London

Coverage: Cyber Liability, General Liability, Professional Liability

Limits: up to $1 million (Professional liability ), up to $3 million (GL aggregate), up to $1 million (Commercial general liability), up to $3 million (PL aggregate), up to $50,000 (Fire legal liability), up to $1 million (Products/completed operations), up to $1 million (Personal & advertising injury), up to $5 million (Excess liability)

Outpatient Medical Facilities

Administered By: Kinsale Insurance

Distribution: Carrier Direct

Industries:

Ambulatory Surgery Centers (ASCs), Behavioral/Mental Health Organizations, Dialysis Centers, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medispas, Rehabilitation Facilities, Urgent Care, Wellness/Preventative Care

Carriers: Kinsale Insurance Co.

Coverage: General Liability, Professional Liability

Limits: up to $5,000,000 (Follow-form excess on both supported and unsupported basis and can include auto and employer's liability), up to $5,000,000 (Primary Or Excess )

Allied Healthcare

Administered By: Hiscox USA

Distribution: Carrier Direct

Industries:

Acupuncturist, Adoption/Foster Services & Facilities, Adult Day Care, Allied Health, Assisted Living Facilities, Audiologists, Body Piercing/Tattoo Parlors, Chiropractors, Cosmetic Surgeons/Aesthetic Professionals, Dental Hygienists, Dialysis Centers, Emergency Response Services (Ambulance), Fitness Professionals, Home Healthcare, Hospice, Laboratories, Medical Clinics/Infirmaries, Medical Directors, Medispas, Mental Health/Behavioral (Counseling/Counselors), Nurse Practitioners, Nurse/Staffing Registries, Nurses, Nutritionist/Dietitian, Occupational Therapist, Opticians, Pharmacies, Pharmacists, Physical Therapists, Psychiatric Facilities/Hospitals, Psychologists, Research/Research Organizations (Clinical, Etc.), Speech Therapy/Therapists, Substance Abuse Rehabilitation Facilities & Services, Therapy/Therapists, Urgent Care, Veterinarians/Veterinary Risks, Weight Loss Clinics

Carriers: Hiscox Insurance Co. Inc.

Coverage: Abuse & Molestation Liability, Crime, Cyber Liability, Excess, General Liability, Privacy Liability/Notification Expense, Professional Liability, Umbrella/Excess

Limits: up to $10,000,000

Extended Reporting Period/Tail

Administered By: MedPro Group

Distribution: Carrier Direct

Industries:

Allied Health, Ambulatory Surgery Centers (ASCs), Blood/Tissue Banks, Cancer Treatment Centers, Dentists, Dialysis Centers, Freestanding Medical Facilities, Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Medispas, Physician Groups, Physicians, Senior Living Facilities, Surgeons

Carriers: Medical Protective Co.

Coverage: Extended Reporting Period/Tail

Limits: up to Any (Flexible Terms)

Facilities

Administered By: MedPro Group

Distribution: Carrier Direct

Industries:

Blood/Tissue Banks, Cancer Treatment Centers, Community Health Centers, Dialysis Centers, Freestanding Medical Facilities, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Directors, Medical Labs, Medispas, Pharmacies, Rehabilitation Facilities, Sleep Clinics, Urgent Care

Carriers: Medical Protective Co.

Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, General Liability, Medical Malpractice, Professional Liability

Limits: up to Any (Excess), up to $1 million/$3 million (Primary), up to $5 million (Additional Cyber Limits), up to $5 million (Regulatory Fines & Penalties (optional)), up to $5 million (D&O or EPLI (optional))

Medical Professional Liability

Administered By: RLI

Distribution: Direct/Broker

Industries:

Ambulatory Surgery Centers (ASCs), Clinics/Infirmaries (Correctional Health), Medispas, Physician Groups, Physicians (Locum Tenens), Physicians (Nonstandard), Radiology/Radiologists, Telemedicine, Urgent Care

Carriers: Mt. Hawley Insurance Co.

Coverage: Professional Liability

Limits: up to $10 million (Policy Aggregate), up to $1 million/$3 million