Merit Specialty:
Healthcare
We help protect a wide range of organizations and facilities from risks such as professional errors and omissions, employee-on-client abuse, theft of client's property and more. Our appetite for healthcare varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities. The appetite below outlines examples of the various healthcare operations we target.
Eldercare
- Assisted living facilities
- Continuing care facilities
- Independent living communities
- Memory care and Alzheimer's
- Skilled nursing facilities
Not available in: AK, AL, AR, AZ, CA, FL, HI, IL, KS, KY, LA, MO, MS, NM, NV, SC, TN, WV
Healthcare facilities
- Ambulatory surgery centers
- Behavioral health centers
- Community health centers
- Convenience care clinics
- Dialysis centers
- Hospice homes
- Imaging centers
- Medical laboratories
- Oncology
- Physical, occupational and speech therapy
- Student health centers
- Urgent care clinics
With our coordinated insurance solution, we’re able to offer broader, more cohesive protection for allied healthcare organizations. This helps reduce coverage gaps and provides a more seamless insurance experience.
Core coverage includes:
General liability
- Products and completed operations
- Client property liability coverage
- Physical abuse, sexual conduct and sexual molestation
- Suite of general liability broadening endorsements that add or enhance more than 25 coverages
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CGL enhancement endorsement – healthcare 421-2919
Coverage Limits Additional insured — broad form vendors Included Extended property damage Included Innocent party defense coverage for employees $25,000 Medical director as insured Included Mobile equipment redefined Included Personal injury — abuse of process Included Property damage legal liability
– Broad form
– Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit$1,000,000 Extended property damage for home health care
– Home health care property damage aggregate limit
– Home health care property damage each occurrence limit
– Home health care property damage deductible
$50,000
$25,000
$500Public relations expenses coverage
– Public relations expenses each incident limit
– Public relations expenses aggregate limit$10,000
$10,000Theft of clients' property
– Clients' property aggregate limit
– Clients' property each occurrence limit$50,000
$25,000
Professional liability
- Claims made and occurrence options
- Broad definition of covered healthcare services automatically includes administrative services, proctoring services, vicarious liability and good Samaritan services
Additional coverage
- Automobile
- Data breach and cyber liability
- Emergency event management
- Employee benefits liability
- Equipment breakdown coverage
- Umbrella
- Workers’ compensation
Specialized coverage options:
- Administrative defense coverage
- Employment practices liability
- Fidelity and crime coverage
- Independent medical and non-medical contractors coverage
- Inland marine property floaters
- Medical diagnostic equipment coverage
- Medical director’s coverage
- Surety bonds including Medicare/DMEPOS bond
Professional liability, commercial general liability and commercial umbrella coverage for healthcare facilities is offered on a non-admitted basis.
Our strategy is to partner with a limited number of agents that have deep expertise in this industry aligned with a flexible solution that can be customized to meet the needs of eldercare organizations. Our broad multi-line offering for the eldercare industry includes core coverages and industry specific coverage enhancements.
Core coverage includes:
Professional liability
- Comprehensive professional and general liability policy offered on Hanover surplus lines paper
- Broad professional liability form that includes coverage for administrative services, medical director, residents' rights, proctoring services and vicarious liability
General liability
- Affirmative coverage grant for physical abuse, sexual misconduct, and sexual molestation coverage included within general liability
Additional coverage
Specialized coverage options:
- Administrative defense coverage
- Employee benefits liability coverage
- Fidelity and crime coverage
- Innocent party defense coverage
- Religious counseling professional coverage
- Surety bonds including patient trust fund bonds and Medicare/DMEPOS bonds
Professional liability, commercial general liability and commercial umbrella coverage for eldercare is offered on a non-admitted basis.
We help protect a wide range of organizations and facilities from risks such as professional errors and omissions, employee-on-client abuse, theft of client's property and more. Our appetite for healthcare varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities. The appetite below outlines examples of the various healthcare operations we target.
Eldercare
- Assisted living facilities
- Continuing care facilities
- Independent living communities
- Memory care and Alzheimer's
- Skilled nursing facilities
Not available in: AK, AL, AR, AZ, CA, FL, HI, IL, KS, KY, LA, MO, MS, NM, NV, SC, TN, WV
Healthcare facilities
- Ambulatory surgery centers
- Behavioral health centers
- Community health centers
- Convenience care clinics
- Dialysis centers
- Hospice homes
- Imaging centers
- Medical laboratories
- Oncology
- Physical, occupational and speech therapy
- Student health centers
- Urgent care clinics
Contact our team to learn more.
Eldercare
Caryn Green
Assistant Vice President, Eldercare
860-697-4337
cgreen@hanover.com
Allied healthcare
Eric Paynter
President, Healthcare
804-673-5568
epaynter@hanover.com