Grayson Underwriting
Allied health

Allied Health

Professional and general liability for the ancillary and outpatient healthcare operations that support patient care — home health (non-medical and medical), medical staffing, physical, occupational and speech therapy, imaging, laboratories, outpatient mental health and more.

Our Capabilities

Limits up to$2 million / $6 million
Higher limitsAvailable in Virginia
Minimum deductible$1,000 — $0 may be available on request
Minimum premium$2,250

Product Highlights

  • Professional Liability and General Liability offered on a claims-made basis
  • General Liability on an occurrence form available on request
  • Coverage through an A.M. Best “A” rated international specialty insurer
  • Dual towers — separate Professional Liability and General Liability limits, with a shared option for a credit
  • Separate limits per location available upon request
  • Employees automatically included in the definition of Insured
  • Independent contractors, volunteers and students included upon request
  • Medical directors may be covered for administrative only or administrative and supervisory duties, including chart sign-off, upon request. No correctional.
  • Patient loading and unloading as a sub-limit or up to the full policy limit, upon request
  • Direct patient care coverage for physicians and dentists on med spa risks only

Coverage Enhancements Available

  • Sexual Misconduct sub-limit — up to $1 million / $3 million
  • Sexual and Physical Misconduct sub-limit — up to $1 million / $3 million
  • Hired and Non-Owned Auto sub-limit — up to $1 million / $3 million
  • Employee Benefits Liability — up to $1 million / $3 million
  • Health Insurance Portability and Accountability Act sub-limit — up to $250,000
  • Privacy Reimbursement sub-limit — up to $50,000
  • Theft coverage sub-limit — up to $100,000
  • Defense Outside the Limits — up to $1 million
  • Disciplinary Proceeding sub-limit — up to $25,000
  • Legal and Media Event Expense sub-limit — up to $50,000
  • First Dollar Defense
  • Punitive Damages, where insurable
  • Stop gap coverage

Eligible Risks

Entities

  • Adult day care centers
  • Dialysis services
  • Early intervention services (developmentally disabled children)
  • Home health agencies — skilled and non-skilled
  • Imaging and X-ray centers
  • Medical arts schools, education and training
  • Medical clinics
  • Medical labs
  • Medical staffing agencies
  • Medical spas and day spas
  • Medical testing laboratories
  • Non-emergency medical transportation
  • Optical establishments and optometry
  • Outpatient mental health and counseling
  • Pharmacies (no compounding exposure)
  • Physical, occupational and speech therapy
  • Sleep disorder centers and clinics
  • Specimen collection services
  • Testing services (drug, alcohol and similar)

Individuals

  • Medical directors
  • Collaborating physicians
  • Nurse practitioners
  • Physician assistants
  • Nurses
  • Mental health counselors
  • Therapists
  • Prosthetic and hearing aid fitters
  • Optometrists
  • Psychologists
  • Ancillary non-physician providers, individually or in groups

Ineligible Risks

  • Youth foster care and adoption services
  • Physicians or dentists for direct patient care, other than med spa services
  • Chiropractors
  • Risks with correctional facility exposure
  • Managed care organizations
  • Whole body cryotherapy
  • Stand-alone massage parlors

Ineligible Territories

  • Alaska
  • Hawaii

Downloads

Other Programs Available

Coverage summaries on this page are for reference only and should not be used as a substitute for thorough review of the policy forms and endorsements. Please refer to policy forms, endorsements and state-specific wording. Nothing here binds coverage or constitutes an offer to insure. Have a question we haven’t covered? Get in touch →