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.™