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Business Insurance Solutions for Healthcare Professionals

Protecting those who care for the future

Our Healthcare Division specializes in comprehensive Business Insurance solutions tailored to the unique needs of Healthcare Professionals. Whether you’re a small medical office or a multi-location hospital, we understand your challenges—and we’re here to help.

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The Healthcare Division at Associates Insurance Group specializes in business insurance for healthcare professionals

Any Healthcare Professional. Every State

  • Skilled Nursing Facility
  • Hospice
  • Home Health
  • Hospital
  • Rehabilitation Facility
  • Specialty Clinics
  • Surgical Centers
  • Dialysis Centers
  • Physical Therapy Centers
  • Imaging Centers
  • Birthing Centers
  • Behavioral Health Facilities

And so many more…

Healthcare Professionals Have Unique Challenges…

You see challenges; we see opportunities… Tell us your challenge; we will find solutions that save money

  • Safety and compliance
  • Unique risk with patient transfer, bloodborne pathogens, and 3rd party claims
  • After-hours claims
  • Control costs without compromising coverage
  • Done-For-You Safety Resources: Easy-to-implement programs tailored for Healthcare Professionals
  • In-House Claims Division: Our dedicated professionals help advocate and manage claims across departments
  • 24/7 Nurse Triage Service: We provide access to speak with a nurse for after-hours or holiday injuries
  • Annual Policy Review & Market Check: ensuring your coverage is competitive and comprehensive

We Specialize in Business Insurance for Healthcare Professionals

Workers’ Compensation

Healthcare Professionals face complex challenges managing claims and safety–that’s where we come in. We simplify Workers’ Compensation with claims advocacy, E-MOD protection strategies, and safety programs tailored for Healthcare Professionals.

E-MOD Restore & Defend

  • What is your E-MOD
  • How to advocate claims appropriately to lower your E-MOD
  • How large claims vs. small claims affect E-MOD

Healthcare-Specific Safety Resources

  • Bloodborne Pathogen
  • Patient Transfer
  • PPE
  • Needle Stick Prevention
  • Workplace Violence Prevention
  • Mental stress, coping, and burnout prevention
  • and many more…

Claims Advocacy

  • In-House Medical Claims Division
  • 24/7 Nurse Triage Line
  • Oversee claims from inciting injury to return to work

Proactive Renewal to ensure you are saving money

  • Start renewal process 90 to 120 days out
  • Policy Design Review
  • Yearly E-MOD Analysis
  • Yearly Deductible Analysis
  • Yearly Market checks
  • Yearly rate check

General Liability

Covers claims of bodily injury or property damage that occur on your premises or because of your general business operations, excluding claims directly related to professional services. Think of it as protection for “slip-and-fall” incidents, damage caused by your employees at a client’s site (non-auto), or advertising injury.

Professional Liability

This is crucial for service-based businesses. It protects against claims alleging financial loss to a third party due to your professional negligence, errors, or omissions in the services you provide. For healthcare professionals, this is called Medical Malpractice Insurance. For non-medical professional services (e.g., consultants, IT services), it covers professional mistakes that cause financial harm.

Medical Malpractice Insurance

This is especially important for healthcare professionals and covers claims of injury or harm to patients due to medical errors.

Also called “Errors and Omissions” insurance, Professional Liability provides important coverages for:

  • Negligence and Errors
  • Omissions
  • Defense Costs
  • Settlements and Judgments

Commercial Property

Protects your business’s physical assets – the building you own, leased office space improvements, equipment, inventory, furniture, and supplies – from perils like fire, theft, vandalism, and certain natural disasters. It covers the cost to repair or replace damaged property.

Employment Practices Liability

What is Employment Practices Liability Insurance (EPLI)? 

EPLI covers claims made by current, former, or prospective employees alleging wrongful acts related to their employment. Some examples include:

  • Discrimination
  • Wrongful Termination
  • Harassment/Sexual Harassment
  • Retaliation
  • Failure to Promote
  • Breach of Contract

Abuse & Molestation Insurance 

Provides coverage for claims alleging sexual abuse or physical molestation perpetrated by an employee, volunteer, or agent of the organization.

This is especially vital for organizations that work with vulnerable populations, such as children, the elderly, or those with disabilities, or in environments where such allegations could arise.

Management Liability

What is Management Liability? 

This is an overarching category that typically combines several coverages for an institution’s leadership and governing body.

Directors & Officers (D&O)

Protects the personal assets of an institution’s board members, trustees, and senior administrators from lawsuits alleging “wrongful acts” in their management capacity (e.g., breach of fiduciary duty, financial mismanagement, misrepresentation, regulatory non-compliance in areas like Title IX, FERPA, or accreditation).

Other Types of Management Liability Insurance

  • EPLI
  • Fiduciary Liability
  • Crime
  • Cyber

Employee Benefits Liability

What is Employee Benefits Liability (EBL)? 

EBL protects the Institution from out-of-pocket expenses arising from errors or omissions in the administration of employee benefits programs, including health, life, disability, retirement, and many other benefits.

Examples of Covered Benefits Errors 

  • Failure to enroll an employee in health insurance plan benefits
  • Incorrectly calculating retirement plan contributions
  • Providing erroneous information about employee benefit eligibility

Why is this important for Healthcare Professionals?  

If you are providing any level of employee benefits at your Institution, errors are often unavoidable. To prevent large out-of-pocket expenses, EBL coverage can help protect your Institution.

Commercial Auto

Covers vehicles owned by your business. It provides coverage for bodily injury and property damage you cause to others in an accident, as well as damage to your own business vehicles, and medical payments for injuries to occupants of your vehicle, depending on the specific coverages purchased.

Hired/Non-Owned Auto (HNOA):

This is a crucial add-on or specific coverage within Commercial Auto. It provides liability coverage for vehicles that your business does not own but uses for business purposes.

  • Hired Auto: Covers vehicles you lease, rent, or borrow for business use (e.g., a rental van for a business trip).
  • Non-Owned Auto: Covers vehicles owned by your employees (or others) but used for your business purposes (e.g., an employee using their personal car to run a work errand or deliver something for the business).

Crime Insurance

What is Crime Insurance? 

Protects the business from financial losses due to various criminal acts.

Some Criminal Acts Covered by Crime Insurance

  • Employee dishonesty (theft of funds or property by a staff member)
  • forgery
  • alteration
  • theft of money/securities on or off premisis
  • robbery
  • safe burglary
  • computer fraud

Excess/Umbrella Liability

What is umbrella or excess liability coverage?

  • Liability coverage to sit in addition to the limits of liability present in General Liability, Auto Liability, Employers Liability (workers’ compensation), Professional Liability, Product Liability, Cyber Liability, and/or Liquor Liability (considered “underlying” policies)
  • Umbrella is considered an “overlying” policy that takes effect once the limits of the underlying policies have been exhausted
  • Example: if we have a $1 million limit per occurrence on General Liability, any claim that exceeds that amount would incur out-of-pocket expenses without the umbrella. With an umbrella policy, any amount over the underlying policy limit would be covered up to the amount of coverage selected by the umbrella policy

Why do Healthcare Professionals need this coverage?

  • Average General Liability claim can easily exceed $1 million in total cost (including damages, legal/defense costs, etc.), and the umbrella ensures you are protected against out-of-pocket claims expenses
  • Litigation has become more common in today’s landscape – umbrella/excess liability coverage further insulates your business and assets from legal action

Cyber

Covers financial losses and expenses related to cyber incidents such as data breaches, cyberattacks (e.g., ransomware, denial-of-service), and network security failures.

This includes costs for incident response, forensic investigtion, data recovery, legal defense, regulatory fines (like HIPAA penalties for healthcare), notification costs for affected individuals, and sometimes even business interruption due to cyber events.

The two main segments of Cyber Insurance are:

First Party Cyber Insurance

  • Covers your business’ direct losses from a cyber incident affecting your own systems, networks, or data
  • Among other coverages, First Party Cyber Insurance provides relief from financial losses, data and asset recover, crisis management

Third Party Cyber Insurance

  • Provides liability protection in case a data breach or cyber incident at your company leads to claims or lawsuits from external parties
  • Protects your business from financial liabilities and legal expenses resulting from harm caused to clients, vendors, or other third parties due to a cyber incident involving your systems

Have you looked into Cyber coverage in the past? Let us help you craft the perfect coverages for your growing business.

Start customizing your Business Insurance

Let our Healthcare Division customize your Business Insurance to meet your needs.

Request a Policy Design Review