This program is designed for agencies and companies that supply Professional and Non-Professional Home Health Care services to individual residential locations.

Professional Services are those provided by RN, LVN, LPN, physical therapists and licensed counselors.

Non-Professional Services are those provided by Nurses’ Aides, Social Workers, Student Nurses, Homemaker Health Aides, Nannies and similar services. Services may also include shopping, errand services and mail pickup.

General Liability Underwriting and Rating Considerations

• Limits up to $1MM/$2MM available
• Umbrella/Excess available
• Sexual/Physical Abuse Included for $25,000/$50,000 limits ($100,000/$300,000 available)
• Errors and Omissions included at no charge
• Rental or sale of equipment or supplies to others: refer to our Medical Equipment Supply Stores Program
• Prohibited: infusion therapy services, hired and non-owned auto, employed or contracted physicians, agencies providing services to hospitals, clinics, physician’s offices, hospice, nursing/convalescent/ACLF homes or jails/detention centers

Property Underwriting and Rating

• Up to $2MM Limit (higher limits available)
• Eligible if less than 20 years. Older buildings may be eligible, subject to underwriting approval
• Eligible if more than 3 miles from the ocean. Frame construction subject to underwriting approval