Grayson Underwriting
Appetite

A straight answer about what fits

A complete reference for appointed wholesale brokers, so you can rule an account in or out before you spend an hour on it. No account is too small, provided the minimum premium works — and if you don’t see a class listed, send us an email or give us a call and we would be happy to discuss.

Eligible

Outpatient services

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

Residential facilities

  • Adult group homes (developmentally disabled and/or mentally ill)
  • Assisted living facilities
  • Halfway houses and sober living homes (adults only)
  • Independent living facilities
  • Residential hospices
  • Residential mental health and substance abuse facilities, with or without detox
  • Transitional living (adults only)

Spas

  • Medical spas
  • Day spas
  • Physicians and/or dentists performing non-surgical cosmetic treatments
  • Individual allied health practitioners performing non-surgical cosmetic treatments

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

These classes are outside the appetite.

Doesn’t write

  • Youth residential facilities
  • Youth foster care and adoption services
  • Nursing homes and skilled nursing facilities
  • Hospitals
  • Residential facilities for ex-offenders
  • Physicians or dentists for direct patient care, other than for med spa services
  • Risks with correctional facility exposure
  • Managed care organizations
  • Whole body cryotherapy
  • Risks with cosmetic plastic surgery exposure
  • Stand-alone massage parlors

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 →