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Allied Medical

Healthcare sector projected to increase to 4.2M jobs by 2020.

The health care industry continues to be among the fastest growing sectors of the economy. As industry employment and service capabilities increase, health care professionals are at increased risk for professional liability claims.

Allied Medical Coverage, is tailor-made for the health care sector to advise, defend and manage professional liability claims resulting from your clients’ diagnostic, technical, therapeutic or support services provided to the patients they serve. Burns & Wilcox delivers solutions for medical staff, facilities and centers providing patient service.

As a leading provider of wholesale specialty insurance, Burns & Wilcox has the breadth of products and experience you need to provide your clients with intelligent solutions for their healthcare business.

Coverage Details and Features

Home Health Care

  • Package PL/GL policies available
  • Low deductible options
  • Extensive brokerage markets and in-house quoting access
  • Third party theft available
  • Employee benefits liability coverage
  • Defense outside the limits

Target Classes

(including but not limited to)

  • Outpatient clinics
  • Imaging centers
  • Pain management centers
  • Adoption agencies
  • Foster care homes
  • Sleep centers
  • Adult day care
  • Substance abuse centers
  • Healthcare staffing
  • Pharmacists
  • Skilled nursing facilities
  • Hospices
  • Ambulatory surgery centers
  • Testing labs
  • Assisted and independent living facilities
  • Hospitals
  • Elder Care and Residential Facilities
  • Assisted and independent living facilities
  • Skilled nursing facilities
  • Group homes
  • Imaging centers
  • Emergency and non-emergency transport
  • Pain management centers
  • Veterinary clinics
  • Sleep centers
  • Home health agencies
  • Grown-up day care
  • Substance abuse centers
  • Health care staffing
  • Pharmacies
  • Hospices
  • Ambulatory surgery centers
  • Testing labs
  • Adoption and foster agencies
  • Mental Health Facilities
  • Medical spas and day spas

Ask an Expert

Why are medical professional and general liability policies important for hospice care?
Though it is true that most, if not all, residents in hospice are nearing the end of their lives, the hospice organization and staff has a duty to provide palliative care that results in the comfort and dignity the patient deserves during their time in hospice care. Failure to meet the standard of care can be grounds for the family or guardian to seek damages. It is sometimes difficult to ascertain whether a potential claim is classified as a general or professional liability covered claim so it is imperative to always carry equal limits for the these policies.
What is the most overlooked portion of a hospice organization’s risk management plan?
In hospice organizations, the treating-physician and medical director are often one in the same, so the broker or agent should recommend coverage for the physician’s direct patient care duties in addition to their administrative duties. It is important to remember that the physician’s primary medical malpractice policies will not carry over, so they should be included on the professional liability policy on a blanket basis. This is most easily and efficiently handled by extending coverage to the physician services on the named insured’s policy in the name of the legal entity.
What are the additional elements that should be considered in the insurance programs for hospice care entities?
In addition to ensuring that the policy will cover punitive damages, there are a few other things to consider. A sublimit for physical and sexual abuse should be sought, at a minimum. Other miscellaneous coverage should include HIPAA compliance, emergency evacuation, employee dishonesty/crime, medical payments to volunteers, directors and officers including employment practices liability.
Why is there a difference in the type of coverage needed for an adult day care facility compared to a senior community center?
Adult daycare facilities differ from senior community centers, whose members tend to be drastically more self-reliant, independent and mobile. There is a growing trend for some adult daycare facilities to provide highly specialized services, such as offering care to individuals with Alzheimer's and dementia or those suffering from chronic physical or cognitive impairment. These specialties bring unique exposures and often higher risk.
What type of coverage area is often overlooked when it comes to adult daycare facilities?
Field trips are often included in the services of an adult daycare center, which involves travel and transport of the clients. A robust screening process for all potential drivers along with drug testing should be mandatory. If employees’ vehicles are utilized for the transport of clients, then primary insurance should be verified upon hire and annually thereafter. A driver safety program and defensive driving course for all drivers is also recommended. A common practice should be ensuring that an adequate commercial auto policy is in place with at least one million dollars in liability.
What are the additional elements that should be considered in the insurance programs for adult day care facilities?
Ensuring that patient-on-patient abuse is a covered incident is vitally important, as altercations can and have occurred between clients, especially among facilities with a high level of dementia, Alzheimer’s and other cognitive disorders.

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.

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